Our next question is on regrets. People have our on money and t i think it's a hot bed of regrets when it comes to money, right? Like, i wish i had invested more in 20 20. Or, I wish i had started saving and investing earlier, right? You've interacted with the thousands of individuals e for more than two, three decades now,. On money, on regrets, i'm sure what, according to you, is the biggest financial regrets, most people have... "i didn't start early enough"