 And even though this might be transitory like some people think it is, okay, this has long-term effects because it hurts their ability to buy a house, to buy a car, to get a job, to raise a family. You see a lot of these young kids moving back with their parents just to make ends meet. I mean, these are real-life issues that won't go away for some time. And we can be optimistic, and I want people to be optimistic because I want to see the country rebound.