I never said anything about trees falling in the forest. Maybe you should just quote yourself, Jake.
Anyway, getting back to my point, for retirees it used to be that you could pay your basic necessities, like food, transportation, fuel, clothing and all that kind of stuff. You then had your housing costs, which were much lower, because you just had to pay for property taxes, maintenance fees—maintenance for the property—and utilities. You would hypothetically have paid off your mortgage within 25, 30 or 35 years.