 Yeah, I've always said it's important to work smarter, not harder. And so oftentimes I find people taking more risk than they should be taking in their portfolio, partly because they're trying to overcome a higher cost of living. And sometimes the matter of just, I know it's the dreaded B word that I've referred to many times on this program, but that's called budget. It's living within a budget doesn't sound like fun to me and it doesn't sound like fun to most people that I talk to.