Exactly. And I'll brag and be frank at the same time. I couldn't afford to buy my house today in the US. I have no idea how new people afford to move into my neighborhood. But since I bought it at the end of the GFC and refied to 3% at some point, I have that house and now a house in Europe that I paid cash for that I'm in the process of renovating. That one bit of leverage I was able to grab onto in 2011 led to big changes over 10-15 years. I don't see that same opportunity for a lot of young people now, and that's a problem.