 I have been saying this for years with enthusiasm and people have not listened to me if you're only relying on a job, we need nothing more than the past year to prove to you that that is not a smart idea. And people just go along and they think, well, I have the job now, so I don't have to worry. And of course, none of us could have seen this pandemic coming, but we're never going to see the blacks want to end coming. We're never going to see the financial meltdown. We're never going to see that artificial intelligence that wipes our job out completely. We're never going to see when our company outsources our role overseas and our job is gone. So there's always going to be unexpected events. We have to prepare now. We have to adapt to change.