better educator pay, rising insurance costs, this is just a small fraction of the puzzle. we have had shortages pre-pandemic, and i m sure we ll have them post-pandemic too but until we address the system as a whole, i think we re going to continue to see this. and continue to see teachers leaving the profession as well. whitney holland, thank you so much for your time this morning. good luck to you guys. still to come, eight nfl teams go head to head this weekend as we inch closer to the super bowl. it all could come down to the star quarterbacks. we re going dig into that, plus the league s latest change to its covid testing policy. s the league s latest change to the league s latest change to its covid testing policy for me and you and i think to myself what a wonderful world a rich life is about more than just money. that s why at vanguard, you re more than just an investor, you re an owner so you can build a future for those you love.