 Thanks for having me. And you're right. I think there are some subjective definitions for how Americans kind of define living paycheck to paycheck. But in our survey, we really considered it as someone who's having little to no money left over to save for future goals after covering their expenses. It's basically when you're a position caught between paychecks, if you're using up all the money that you make a month and you're waiting for the next one to come in.