 Moving along to number three, there's been a lot of changes this past week in terms of shopping. Target is no longer accepting personal checks, which this is not a big shocker to me. I can't think the last time that I actually wrote a check. Okay, sometimes we have to write checks for businesses. I get that, that we're paying in vendors. But I'm talking about like a personal check. Everything's all paid online. Only about half of all Americans write checks once a year. That's according to the Federal Reserve.