to stop the smoking. when you compare higher earners to lower earners ors higher earners have decreased smoking rates over time, lower earners are not using those preventative measures. keep telehealth going, but also by making them more economic sound, they will have decreased stress. stress is directly related to a rise in diabetes, metabolic issue, cardiac disease and others. so if we can t get ourselves strong economically, we re not going to pull them out of this. and the only sort of good news from an economic perspective is we talk about the impact of higher interest rates and how that has been crushing home affordability issues. eyer interest rates, if higher interest rates, if you are a saver, is actually helping you. in the first time since, i think 2001, you can get a 3-month bill, park your money money for 3 months, you can get 5% on that. at least savers have been punished for so long, some of that is starting to turn. there are more opportunities for you to save, but