Okay. I broadly understand that we're in a HUGE mess. I have a question, though. If and when the "big crash" occurs and there's a worldwide financial collapse, what happens to the people who have been able to keep up with their mortgages and have good credit? In other words, the banks go under, are all the balance sheets now gone and we don't have to pay our mortgages anymore? THAT doesn't make sense to me. Because if everything collapses, it seems to me that we'll be in such a state of pandemonium that none of that stuff is going to matter. Someone, please, enlighten me.