text:  There's two times that people come to us in the last 30 years, and they come to us every week with these two times. I want a better quality of life, and so I'm going to change jobs and make less, number one, which he's not really making any less probably. But the other time they come to us is I lost a job, and the new job I'm going to get that I don't even know what it is, they assume is going to be less.