If your approach to personal finance and these issues is as if it were an immutable science like physics, you're doing it wrong. And I think that would be the best question to ask most of these folks. What have you been wrong about in the past 10 years and how have you changed or remedied that situation or thought process? If the answer is not much, maybe that's somebody you probably should not be listening to too closely or without a critical eye or ear about what they're saying. But now I think we've beaten this horse to death, Kevin. We hope you found that interesting and informative on some level.