 because it takes time to have anything. And if your time's spent doing this, then your time can't be spent doing that. And so people come to me all the time and go, Del, I'm this age, 30, 40, 50, 60, 70 years old, and up until now I've not had time to worry about my finances. And now I think it's the right time in my life to start worrying about it. What it really is saying to me is that I've spent all of my time doing something else.