 May I'm glad you brought that up. It's an amazing effect when you see another, well, baby boomer or somebody, and you say to them, hey, what's your investment philosophy? And it's almost like you just read them War and Peace. It's this whole, how do you get them to breathe again? And say, well, do you like losing money? Do you think the stock market's scary? Do you like savings checking? Do you like Christmas clubs? These are all money philosophies, and there's nothing wrong with talking on this type of level.