Absolutely. Part of the problem is that we criticize our entrepreneurs when they fail. In the United States, failure is a good thing. They've gone out and tried to build a business and they move on to the next business. It is a mindset; yes, we are risk-averse. But you can't train somebody to do their first paper route. They just go out and do it and they collect the money—or the lemonade stand, or getting on the airplane and going to Southeast Asia.
I'm sorry; you were going to add...?