We are seeing time and time again people getting burned because they are running an expectation that it is business as usual. It is strange because it is an attempt to defy the one universal constant that is change. We have had to work with it firsthand this year as we had a local Medicare Advantage plan leave our area with thousands of clients. Some quickly found assistance, some did it themselves and some are still finding out months later that their Medicare plan left. We saw it with Covid and the businesses that failed to adapt quick enough. We saw it when the real estate market collapsed. We saw it when the savings and loan's collapsed. Today's Suzilla, we talk about ending the Set it and Forget it lifestyle.