Then my follow-up, which I don't ask, but what I really want to ask is like, "When's the last time you used your brain versus followed a process someone else designed at your company?" Because I want the former, not the latter. Lenny: Wow. Amazing. There's a lot of things I want to dig into here. I was going to ask why you call it zero interest rate phenomenon, but I think what I'm hearing is it's when interest rates are zero, everyone's got a lot of money, things are going great. Everyone looks like they're killing it, successful. Everyone thinks they've got it all figured out, and then when that goes away, it's like, "Oh, shit. Maybe not so."
I was going to ask why you call it zero interest rate phenomenon, but I think what I'm hearing is it's when interest rates are zero, everyone's got a lot of money, things are going great.