 But it's got to be devastating for elderly people that are living on a fixed income in this economy. Carl, you're absolutely right. And it is very true that there are plenty of people out there who did not save and invest wisely. And frankly, it's their own fault that they don't have enough money now in retirement. They spent their money, again, very unwisely when they were younger, and now they're in a tough spot. But in fairness, there are literally millions of Americans right now, Carl,