and that was when people started logging in frantically, but it was a bit too late. So, you can think about it like this -- it's not just finance: In many different parts of our life, (Laughter) we have warning signs and bad behaviors now. And they could potentially lead to all these bad outcomes later, but not necessarily so, because there are different routs from your present to your future, right? It can go this way, it can go that way. And, as time passes, you gather more and more information about where the wind is blowing.