 Can I just jump in here and say, folks, if you do not have, if you're not signed up, if you're not subscribed to this blog from Gens Financial Services, you should be because it is really good, down-to-earth information, super easy to understand, and it's free. Yep, yep. So the one that went out yesterday, what the 2025 COLA predictions mean to you. So you can click on it and read the full blog. 10%? 30%? What do you think? I don't know.