I think there's still a lot of risks that kind of come up. I have more hope and good experiences with this happening in a in a tight trusted relational circles not institutionalized necessarily in a particular church. And so we are as Christians very much locked into this highly individualistic or at least family unit ish, you know, definition of individualism approach to finances. So let me ask you James then, turn back to what are other common mistakes that you think Christians make in their financial thinking. You said like getting our savings calculus wrong is one of them were there others? We're not necessarily thinking about the right way either from an economic perspective or from a spiritual perspective.