text:  Oh, now we know. I think the answer, we all got our answer. And so what that means is we have to look in the mirror and say, okay, as for me in my house, what's this going to look like? And the worst thing you can do is, as my great mentor, Dr. Andy Young used to say, fax your friends when you're heading into a crisis. What is true here? What is true here is maybe in your house, we go out way too much and we've got to start putting some money aside. Maybe in your house, all right, we're about to buy a fancy car. We're not buying that car.