 Okay. Catholic Traditionist, when it comes to building a good life for me and for those I hold dear, I unashamably do what I believe to be right, even if this is at odds with what I am told I should do by nameless, faceless folks up on the hill. I find it is often better in such cases to seek forgiveness than to seek permission and it even more often better to seek neither from those folks. Catholic Traditionists, I agree with you. Don't look at Wall Street to decide if I got the gist of what you were saying. Wall Street and those in authority and power to decide where you should be and how you should live your life. Figure out what reduces the most amount of stress from your and your loved ones' lives. Look into how you and your loved ones can remain as healthy as possible and as connected as possible within the community. That's your first place you should be looking at to invest. If you have excess funds, then the next thing you need to do is do a fair bit of research to figure out where you're going to spend your money, where you're going to park your money that is not going to disrupt what you've created already. So for example, if you're investing in your health, in your family, in your community, and you're happy with that, and you have a little bit of money on the side, you would have to be an idiot to invest in Walmart because Walmart goes against what you just built. Think about the consequences of your actions and where you're putting your funds, your energy, resources in. There are people that I know that are extremely amazing good people, they mean well in the world. And all the excess money that they have, they put into Wall Street. If they're close to me, I call them for what they are, complete hypocrites and idiots. VC, the bank where I keep all my income and savings and encouraging me to invest through them, should I attempt to invest through them and make money or just keep the money in my account? VC, there's a fallacy in your statement here. In your second sentence, you're saying, should I attempt to invest through them and make money? How do you know you're going to make money if you invest through them? Do they guarantee it? Do they say we guarantee that you will get 5% returns per year for the rest of your life and you will never lose your money? No bank is going to tell you this. So first thing you have to do is, and banks, there's whole different types of instruments that banks will try to sell you. And if you don't qualify as a accredited investor and stuff like this, there are funds out there that have criteria. One of the criteria is, you have to have 1 million dollars of liquid funds that you can park with them, not 1 million dollars worth. It's not that you're worth a million dollars. You have to have liquid, liquid, 1 million dollars before they will allow you to invest with them. Now if you're Joe Blow, you don't have a million dollars to invest with these funds, then you're going to have to go with the lower end funds, right? Now you tell me, do you think the people managing the fund that has millionaires investing with them, is that on the same caliber as the person who's managing a fund that has people investing with them that are in the thousands of dollars? I'm willing to bet the person that performs better is kicked up to manage the funds of people who have larger assets. So you really have to think about what the bank is trying to sell you. There's a lot of garbage that the banks are going to try to dump on people right now. What do you call it? I forget the names of the different types of people that they refer to them, right? Great point. I second that suggestion, Graham. What did Graham say? Your local community, your local community, invest in your local community, community gardens, rec centers, after school clubs, help your neighbors. Yeah, and I'll give you an example. For example, like Graham is saying basically one of the best places you should invest in is your community. And I 100% agree. Like for example, right now in the city that I'm living in right now, in Victoria, Canada, British Columbia, there's a lot of homeless here. Okay. And a lot of homeless that have come from the other provinces. One of the reasons is this most moderate weather here, right? It doesn't rain as much as Vancouver. So there's certain weather elements involved and whatnot, right? So right now, because of COVID, things went into lockdown, right? So people in Canada who, you know, who had everything going, they had a job and stuff like they filled out a form, they got, they're getting $2,000 a month coverage from the government, right? So those people middle class, let's call them middle class that were that qualified for this are getting $2,000 a month until lockdown is lifted, right? Which is a lot more in the United States. United States people are getting shafted hard, by the way. Okay. So Canadians middle class could fill out the form if they weren't allowed to go to their jobs, they get $2,000 a month, that should pay your rent and your expenses and you just chill at home, right? Now some of those people who have bought homes and they have mortgages and stuff like this, they're at home, they're seeing what's going on and they're seeing the activity during the day and in my area, there's a lot of homeless around. Now the homeless that aren't on the books, everything's cash for them. One of the main sources of income for the homeless was collecting bottles and returning bottles. The other main source of income was panhandling, right? Guess what? With the lockdown, with the quarantine, with the suggestion of not going out, panhandling doesn't get them anything because there's nobody around and the bottle depot places where you could return bottles are all closed. When I've gone on walks, I've seen like mounds of bottles in parks where a homeless person has been collecting the bottles but he can't return them, right? So no money from the bottles either, right? So no money from panhandling, no money from the bottles, no money from the government, right? They don't get $2,000, they don't have a residence, right? They weren't filing taxes, they don't get $2,000, right? And now what's happening is those people who are getting $2,000, they're like going, hey, the homeless are breaking in here, right? Our lives are not as good as we thought they were. Our property values are going to come down because there's lots of homeless around here. So our homes are now, the equity we have in the homes is not as much as we had in the past before this pandemic hit, right? Oh, what's going on? Well, those people didn't invest in the community. They allowed the homeless situation to rise up to a level that's something like this that disrupts the ridiculous economic system that we have right now to lift the veil, right? All of a sudden they're going, oh, wow, wait a second, my home isn't really worth a million dollars. It's worth $800,000, but I put $200,000 in there, but that means it's only worth $800,000. So all these years that I worked and the down payment that I made, that just blew up. It's as if I didn't do that at all. And my car's being broken into and I look out my window, there's people camped out across the street, across the park from under the mound of bottles, empty bottles. Wait a second. I thought this was supposed to be a middle-class neighborhood. Guess what? They didn't invest in their community. Okay, if we invest in our communities, if we make sure the supply chain is solid, the, we have food security, we have people, institutions, right? Organizations that deal with mental health, with trauma, we have well-funded schools that are educating the children, right? If we have community centers where there is readings, where people can go take, like, for example, one of the things with community centers, guess what? Community centers are closed. There are homeless people that were using community centers to take showers. There are people that used to live in their homes. This is my area. Very, like, it's top of the pyramid if you compare it to the world, right? People living in their homes and going to work, living in their campers and going to work, right? Because they can't afford the rent, they can't afford property that we're using community centers to take showers, right? The community centers are closed. I guess what? They can't go take showers, clean up to go to work, right? All of this is ridiculously important. So when people say they have access money, they want to invest it somewhere, where do you live? Is your community on the borderline of completely collapsing? Do you like it there? Do you think you want to spend a lot of time there? Then you should be investing in that community. That's the best place you could invest your funds in, right? Stabilize it. Make sure that if something like this happens, all of a sudden you don't have homeless people breaking into your cars and you can't go outside and play, right?