 Jim, let's begin with oil plunging. Yeah, no, our target had been 43. And I arrived at that because Carly Garner, who I regard as being one of the great commodities people of our time, who writes for real money, had been saying, listen, we're going to make a stand at 43, maybe we break it, and then maybe we come bounce back. She says it's going to be pretty messy right here. I contacted her, of course, because when it was at 53, she said it was going to 43. So she has tremendous, tremendous credibility in my eyes. And I look at it, and I say to myself, okay, don't immediately lower your target. If your target was 43, don't start saying it was 41. There was someone on this morning who was saying, hey, listen, I think it's going to trade the high 30s. I'm with Carly. I think it makes kind of a stand here, and I think you get a whoosh back.