 Well, you mentioned it in the lead-in. A lot of my friends and I are talking about how do we afford a home? How do we save up enough with rents being so high or groceries or gas being so high to be able to afford a down payment? A lot of my friends can't. A lot of my friends are deferring having kids because they can't afford to bring them home right now and make sure that they can have child care needed for them. Or just being able to go beyond paycheck to paycheck. That's the thing that they're most concerned about right now.