Many opportunities were borne out of problems. What is a problem could become an opportunity, if you'll change the way you think. I was talking to this very successful investment adviser, and he told me about two thousand eight, two thousand nine, when the stock market dropped and he lost the biggest percentage of his clients. He was so discouraged. And then it dawned on him, wame, how many of my friends who were also investment advisers lost the majority of their clients? Suddenly he realized hat this problem is actually an opportunity. Many saws a problem he saw as an opportunity.