 a person based on what they've already done to make a good decision. So it's not like this person's going to turn on a dime and all of a sudden become irresponsible and, oh, we had it all set up for, for 16 years as a working adult, I'd done all the right things. Then I got bad advice on the radio and I became like, this person's going to be fine no matter what. And if it were me or I,