 And big entities, the negatives that can come from that. I got a book from Charles Payne. I don't know how many know him. He is an economic advisor on the Fox Business Channel. He's on every day at 2 o'clock. And he's written a couple books. The second one is called Unbreakable Investor. And I'm not here to advertise his book, but if you listen to that show, he will advertise it there. You can get it for free.