 Yeah, one of the things that's going to have to happen is there is going to have to be a new wave of wealth expansion, one way or the other, because you're going to have to get to the point, people's buying power is going, because we're going to get to a breaking point. We're quickly getting to that point already with personal debt on the rise, now delinquencies on the rise, and people are asking, well, what do we do next?