Kirk, I see this question a lot. Not that I'm disagreeing with you on your points you made because on each of the others I'd have to say No or I don't know. But according to my financial statement from my financial advisor, Patsy and I are better off financially than we were during the last admin. The last admin's policies did our investments great as well, don't get me wrong but, and I guess it's different for everyone, we are better off finacially than we were 4 years ago. For a retired couple living off of retirement income and SS, trying to save enough to pass on for our now handicapped daughter, I'm thankful we are better off. I'm not saying that Biden's policies are the reason for that but I'm trying to say my finiancial advisor has invested our money to where we are doing well in the current environment, in spite of the disaster in the Whitehouse.