And then when you have an urgent problem, like a medical bill, the guy buying your land, which you knew was 500 million market price, tells you, gradually I have 100 million and I can only pay you 50% up front.

You're right, Simon.

And the best example of that was the COVID pandemic.

How many wealthy people died because land could not be sold and they needed about 5 million a day in ICU, intensive care unit.

So it's good to have assets, but look at how easy is it for you to get cash from them.

Now to a person like you, Simon, that was the retiree who have said, and the answers are coming, but when you've got that money, don't be in a rushed started business you don't know much about.

Now, what about the young guy who's getting started? They always say that the best investment to start is a startup business.

What do you charge me?