So, personal financial literacy either is misunderstood or not understood at all. Or not even heard about. And personal financial literacy really takes into account two major things. One, is work and the other is money smarts. And those two things have to be taught at a really super early age. And if they're not, kids just seem to not be able to get it, as well as they could. So let me give you an example. If kids can go in their backyard, assign your son to go in the backyard and scoop the dog poop for two weeks and after those two weeks, he's earned some money, takes that money, goes to the store and buys the toy that he's really wanted. A week later, the toy is broken. He understands, "Boy, that was really not that great of an investment I just made," and so he understands financial literacy now because he understands work and he also understands how maybe that wasn't the best financial decision in the whole world. So those two things, working and understanding money and making good decisions, that's what financial literacy is.