 Well, sorry, we'd be remiss if we didn't say that there are some folks who've taken advantage of opportunities that we think that should have been given to people who were really deserving of them. Not to say that they were not, but it's almost like when you're given $5 to go out to pay your bills and you go spend it on something else, how can I give you $50? And so the reality is that we have to kind of have an introspective approach about how we're scaling up. And the point is, is this, Tavis, you said it spot on.