 I'm looking at some data here, and data is always fascinating for me. It helps to paint a picture. Since the pandemic, you mentioned the pandemic. Since the pandemic, black business ownership has more than doubled. Hispanic business ownership is up 40%, and women own a record share of businesses. I want to just come back to that first part. Since the pandemic, black business ownership has more than doubled. So here's the rub for me, and I want to just get your take on this.