 Can you just lay that out for me one more time? I admittedly had a bit of a distraction. Go ahead. The advice that they're getting is going to be from these kids that come out of these Ivy League schools. Oh, wow. You know, and they're untested. They never paid a bill in their life. They never know what it is to, you know, struggle. You know, the mortgage rates going up, the insurance rates going up. They just keep pounding this same baloney all the time.