So Brennan, let's walk through some of these trends and get your take. First up, let's talk the envelope method. Is this a worthy saving strategy in your view.Yeah, the envelope method has been around for decades. It's been around for generations. People have been using it for quite a while.The whole point of it is really to get that pain aspect of spending. So, when you spend now, you're swiping a card and uh it doesn't really feel like you're spending the money in order to try to limit the amount of spend ...