Hurricane Isaias came through our area yesterday morning. Heavy rain and high winds. Other than a little water in the basement, we thought we had made out okay. And then around 12:30pm, after the rain had stopped and the sky was actually clearing, the power went out. It's now 7:40pm the next day, so 31 hours later, and the power is still out.

We were able to spend last night at home. Fortunately, it wasn't terribly hot so even without AC, it only got up to about 75 in the house.

Still no power this morning but DD and I both had to work so off we went. DW stayed home except for running out to get some breakfast since there wasn't really anything she could have at home.

When I got home, I picked up some lunch, and we were debating what to do. It was hot today so the temp in the house was up to about 85. We knew we wouldn't be able to stay in the house if the power didn't come back.

Once DD came home, we decided pretty soon after to book a hotel room and head out. There was no sign that the power would be back anytime soon and it was pretty oppressive in the house. DD is also in the middle of a big project that she needs internet access for.

So we're all settled in at the hotel. Lights, AC, Wifi, all the amenities we need. We ordered takeout for dinner. The hotel is right down the street from my office so I'll be at work in 5 minutes in the morning. And it's about the same distance from DD's work as from home so she's fine, too. I booked for 2 nights but can always extend it if necessary. Hopefully by Friday the power will be restored.

So I posted that last night, an electric circuit tripped and wouldn't reset. I scheduled the electrician to come out this afternoon.

I checked the circuit this morning before I went to work and it still wouldn't reset. When I got home around 2pm, and the electrician was on his way, I tried one more time and sure enough it reset and everything worked.

When the tech came, I told him the story and my theory that during the storm, some moisture had somehow gotten into something, most likely one of the outside light fixtures. Once it dried up, everything worked again. He agreed with me and explained that there was really no way for him to trace where the problem had come from.

The "overkill" solution would be to take apart every connection on that circuit, check the wires, and rewrap and seal everything, but he did not recommend doing that. If this happens again, I should call them and at that point they would start tracing everything but if it was just a fluke from a severe storm, it might never give us any trouble again.

I'm okay with that. He charged nothing for coming out since he never got past our front step and a 5-minute conversation. So crisis averted, at least for now.

We had a violent tropical storm move through the area this afternoon. High winds, heavy rain, even some hail in the area. Our lights flickered a few times but never went out. We did get a bit of water in the basement, which isn't unusual, and it was pretty minor. We thought we had escaped the worst of it.

Then a short time ago, DD went into the family room, turned on the TV, and the power went out. It only affected the family room, half the living room, and part of the basement. I checked the circuit box and one circuit is tripped but I could not get it to reset.

It's a GFCI circuit so I'm thinking water must have found it's way into something on that circuit, like maybe one of the outside lights. I can't see anything obvious but something tripped that circuit.

I put a call into our electrician. I didn't see the need to pay for an emergency call tonight since the rest of the house is fine so they're coming out tomorrow afternoon.

Hopefully, they can trace and fix the cause and hopefully, it won't be anything major/expensive.

We've had a dead tree next to our driveway for months. I've been meaning to call our tree guy for that one. Then in the storm a couple of weeks ago, a large limb came off the big tree next to our garage. That's the 2nd time that has happened. It's time to get rid of that tree. And while they're at it, I'll have them prune the tree in front of our house.

Tree guy came today. Total damage is about $2,400. He's hoping they can come by the end of next week. Hopefully no big storms before then.

Little by little, we've taken out almost every tree on the property. Whoever plants all of the trees so close to houses clearly doesn't give any thought to what happens when those trees grow up.

If you have a newer property, the best advice I can give you is to tear out any tree that is close enough to hit the house if it falls in the future when it's 40 or 50 feet tall. Get rid of it while it's small and cheap. Also take out any tree where the roots could damage the concrete or the sewer line.

Stick to small shrubs and bushes and maybe ornamental sorts of trees that don't get that big and don't develop extensive root systems.

Our garbage disposal died a few weeks ago, sometime soon after quarantine began. I tried fixing it myself to no avail. I wasn't up to replacing it myself so we contacted our handyman. He installed the current one. Of course, due to COVID, he wasn't able to come out, nor did we want him to, but we wanted to get on his list for when things started loosening up.

So for however many weeks now, we just haven't had a working disposal, which honestly wasn't a huge deal. He reached out a few days ago and asked if he could come today and we said yes. He came this morning and installed it so we're up and running again. We made sure to wipe everything down before he arrived, wore masks while he was here, and wiped everything down again after he left.

Disposal itself was about $150 from Home Depot plus $65 for him to install it so $215 total.

Well, there's not really much in the way of news but it's been 2 weeks since I posted so figured I'd check in.

Our daughter wasn't eligible for unemployment because her last job was with a non-profit and they don't pay into the system. The look back period ended 9/30/19 and she had only been at her current job about 2 months at that point and needed to have 20 weeks of work history.

There may be a silver lining, though. She got a call from her manager the other day and it sounds like they got money from the payroll protection program as she said they may be able to pay her for 8 weeks worth of income. She's waiting for confirmation and details.

I'm working same as always. Urgent care is still very slow. The hospital census has been gradually increasing but not to a point where they are overwhelmed and calling in more help. I'm hoping that remains the case and they won't need us. I really don't want to go work there.

DW is managing okay. She and her mah jong friends got set up with an online game platform so a couple of times a week they get together virtually and play. They use a 2nd device to Facetime so that they can all see and talk to each other. They'll probably keep using that system even after quarantine ends at least sometimes because it means nobody has to drive around. It will be great if we have bad weather or someone isn't feeling well but can still play without getting others sick.

We've become regular Zoom users, as I'm sure lots of you have. We've had meets with our bourbon club, our Disney friends, family members, and more. What a great resource to stay connected with everyone. I've used it a few times for work also for updates and meetings.

At work, we've been very grateful for some of the community support, mainly in the form of free food. We've gotten lunch from Five Guys and Mission BBQ, free smoothies from Smoothie King, and free donuts from Krispy Kreme among other things.

Financially speaking, the quarantine has really cut down our spending. Less gas, less dining out, less unplanned shopping, no outside entertainment - it's all added up to over $3,000 of reduced spending compared to the first 4 months of 2019.

I hope everyone is hanging in there. Stay safe.

We finally got an answer from the utility company today. They said that the meter was 99.7% accurate (I think that was the number). So apparently there's no refund coming our way and we've somehow managed to increase electricity usage 40-60% in the past year without changing anything we do or use in our home.

At least there was no cost to getting our meter replaced. I'm really curious to see how the bills are going forward. If the continue to show higher usage, I guess that will confirm the answer. If, however, it shows a significant drop in usage, I may reach out again to complain and question that analysis.

They came out today and replaced our electric meter. My wife said the tech told her that the meter did appear to be worn out internally so he thinks I may be right that it wasn't recording properly. He said it takes about 2 weeks for them to do the analysis and he gave us a number to call to get a report.

So now we just have to wait a couple of weeks and then see what they say. Hopefully, they'll confirm a discrepancy and we'll get some money back. I'll update when I know.

The moral of the story is that if something just doesn't seem right, don't be afraid to question it. And the other moral is to pay attention. Review bills. Look for discrepancies or unfamiliar charges and look into them when they occur.

I called the utility company today and explained my concern with the sharply higher electricity usage compared to last year. The rep asked if we had any space heaters, electric fireplaces, etc. I said we do have a space heater but it's the same one we've had for years. I also explained that we recently got a new dishwasher which is more efficient than the one it replaced and that we've also installed several LED lights so our usage should be lower.

She set up an appointment for our meter to be replaced early next month. They will analyze the old meter and if they find a discrepancy, we'll be credited accordingly. If they find no issues, then our bill will remain as is. But there's no cost to having the meter replaced so we really have nothing to lose. I figure it's worth a shot.

I'll post an update when I have one.

One of our toilets was taking forever to fill. It wasn't running. It wasn't leaking. It just was filling really slowly. My wife finally asked if I could fix it so a couple of weeks ago, I stopped at Home Depot and picked up a new fill valve assembly and installed it. Everything seemed fine. It was working properly and filling in a normal amount of time.

Then 2 days ago DW texts me at work and says the toilet is running and she opened the back and the water level was rising over the top of the drain tube. I talked her through a couple of things to try but nothing helped. The only thing I can figure is that the fill valve I installed was defective and had a leak somewhere so the water flow wasn't cutting off when the tank was full.

I had to work all day yesterday so couldn't do anything about it until today (which I'm sure our next water bill will reflect). I went and got another new fill valve assembly, took out the first one, and installed the new one. I also went and replaced the flapper while I was at it. It wasn't leaking but it was pretty old.

So far, everything seems fine, but that was true last time too. Hopefully it will continue to be okay. I just have to get back to Home Depot to return the first one.

Of course, in the process of doing all of this, I discovered that the water shut off valve to the toilet doesn't work. I had to turn off the main water supply to the house to fix the toilet. I got a plumber referral from a friend and will call them at some point to come install a new valve. That's a little beyond my DIY skill set.

It recently occurred to me that there might be something wrong with our electric meter. The utility bill shows how much our electricity and gas usage is compared to the same month a year ago. The gas usage is sometimes higher, sometimes lower, but I've realized the electricity usage is always higher, sometimes 10 or 12% but sometimes 50 or 60% higher. This was actually happening last year but I attributed it to DD being back living at home and not away at college.

There's no way we can be using 60% more electricity than a year ago though. Nothing has changed in our house. It's been the same 3 people. The only new appliance we've gotten, and that was just a couple of months ago, was a dishwasher and the new one should be a lot more efficient than the 15-year-old one it replaced. Every other appliance is the same.

I'm going to call the utility company and see if they can send someone out to check our meter. We've had it for a long time so maybe it needs to be replaced.

They finally gave us extra help at work. We now have 2 providers for 4 hours per day on Monday, Friday, and weekends. It definitely helped yesterday as we saw 22 patients from 9-1 which I couldn't possibly have kept up with by myself. Now I just have to hope the volumes support adding a 2nd person on the remaining 3 days of the week since I work Tuesday and Thursday by myself.

We went out to dinner last night to a place we like. The restaurant sent out an email yesterday morning with a $10 off deal one day only. I'm guessing they thought business might be light due to bad weather, or maybe that was just a coincidence and they were going to send that offer anyway.

In addition to the $10 off, I had a $20 gift card that we got as a bonus for buying a $75 gift card last month. Finally, I hadn't yet used the $100 gift card my staff gave me as a holiday present. I think we ended up using about half of that card.

The storm didn't do much here. We got a dusting of snow and some sleet but it wasn't bad and the temp was back in the upper 30s this morning so nothing froze over night.

This isn't entirely a fail, and it is in no way my fault, but I kind of feel like I wasted my money.

A year or so ago, we replaced the ceiling light fixture in our sitting room. We also put in dimmable LED bulbs. There was already a dimmer switch and I didn't change that.

We found that the lights were fine when at full brightness, but they flickered quite a lot when they were dimmmed, even going off momentarily and coming back on. I did some reading online and learned that older dimmer switches regulate the current differently and they aren't compatible with LED bulbs.

I went out yesterday and bought a new LED-commpatible dimmer switch and installed it today. It works okay but the lights still flicker. Not nearly as bad as they did. They don't actually go fully off and on like before. It's more of a constant minimal flicker which does seem to be a lot less annoying. We'll have to see how noticeable it is when it's dark outside and the fixture is the only light source.

I'm all in favor of switching to highly energy-efficient lighting but it does have some downsides and flickering is one of them. The LEDs I installed in our hallway flicker a lot too and those aren't on a dimmer. I've also found 3 fixtures in the house where LED bulbs wouldn't work at all and I had to stick with CFL or incandescent bulbs which was disappointing.

It's actually been a long time since I took a staycation. I always mean to but it just hasn't happened for years. I had a bunch of PTO I had to use up or lose at the end of the year so I took some random days off. The way my schedule works, I only need to take off on a Thursday to get 5 days off in a row so that's what I did this week.

Today was day 1. Slept late. Like really late for me - 9:20, which was great because for some reason I was really exhausted yesterday. Did some cleaning around the house today including packing up a bag of clothes for Goodwill. DW and I went to Target for a few things and stopped at Goodwill on the way back to drop off the clothes and an old broken printer to recycle.

DD worked tonight so DW and I had a date night. We went to dinner at a place nearby that we've never tried but was on the 1,000 point list for Open Table. It was really nice, definitely a place we would go back to. Then we fired up Disney+. One of our goals with the new service is to catch up on the Marvel cinematic universe and see all the films we've missed. First up tonight was Captain Marvel. We enjoyed that.

No big plans for tomorrow except going to the gym at noon (DW has an appointment with her trainer). I have a number of things on my To Do list so we'll see where the day takes me.

The 2nd attempt at getting our dishwasher installed was yesterday afternoon. A different crew from a different company came out and they were amazing! They were friendly and understanding and professional and skilled. They were shocked that the other crew hadn't even made any attempt.

They pulled out the old dishwasher easily (the other guy said he might not be able to get it out) and proceeded to install the new one like it was nothing. They appreciated that we were educated and knew what we were talking about as I'm sure they encounter plenty of customers who think they know everything and don't really have a clue.

Once it was installed, they showed us the basic features and gave us some tips. They even answered a couple of questions we had about some other appliance issues. Of course, we now have their contact info and would happily use them again for future needs.

So we now have a shiny new installed and functioning dishwasher. We'll probably run the first load tonight.

We bought a new dishwasher last week. They came yesterday to install it. The guy took half a step into the kitchen and said, "I can tell you right now it won't fit." We have a ceramic tile floor and there is a drop off at the end of the tiles to the floor where the dishwasher sits. It's been like that since we bought the house 25 years ago. This will be the 3rd dishwasher going into the exact same space. Previous installers thought the same thing and then proceeded to install it just fine.

Nope. This guy was convinced it wouldn't work and wasn't even willing to try. Back I went to the store today to complain. They said I had to contact the installation service directly as it's a third party.

I called them and the guy I spoke to actually seemed pretty good. He understood the issue and seemed surprised that the installer didn't even attempt to do the work. He said he'd seek out another installer and get back to me, which he did a short time later. He gave me his direct line if we need him and gave me the name of the new guy. We're just waiting for that guy to call and schedule to come out. Hopefully he can do it with no further issue. Otherwise I'm going to have to go to Lowe's again and have them refund what we paid for installation. I have a friend who has already said he'd be happy to install it if it comes to that. So still on hold at the moment to see what the final outcome will be.

Okay, this one may sound lame but I still count it as a success.

We were in Lowe's last week buying a new dishwasher. As we were walking through the store, we passed the aisle with the 4-foot long workshop light fixtures like many people have in unfinished basements or garages. We have 3 in our basement. One barely works and one hasn't worked at all for ages. I just never bothered to do anything about it.

Ours have 48" fluorescent tubes. Now they are all LED which is nice. I took pictures of the 3 options and a couple days ago searched on Amazon. Of course, I was able to find similar fixtures that are even brighter and cheaper than Lowe's so I ordered two of them.

They arrived today and I installed them both easily since they were going exactly where the old ones were, even hanging on the very same hardware that was already there.

We now have 2 super bright fixtures. The laundry room has only had a single regular bulb since that fixture died and the other half of the basement was pretty much in the dark except for the rare occasion when that fixture actually decided to work. It looks great down there. DW is happy because she is in charge of laundry and I'm happy because I do a lot of stuff on the other side. Plus the extra pantry is down there so now we can find things without pulling out our cell phone flashlight. And all for just $60 (and I'll get 5% cashback from our Discover card).

We headed over to Lowe's today. We've bought several other appliances there. They seem to have a good combination of reasonable prices, nice selection, and helpful staff that isn't overly pushy. Today was no exception. A couple of people asked if we needed help while we were browsing and walked away when we said not yet. Once we had it narrowed down to 2 models, we went over and asked the one woman for help. She was very nice and answered a few questions we had.

Of course, we ended up with the more expensive of the 2 we were looking at but it did have a couple of features that we preferred. It has a recessed handle so we won't be constantly banging into it like we would have been with the other one. And the racks and gliders were clearly of better quality. It was also rated a few decibels lower on sound level.

We just have to wait for the installer to call and schedule installation. Hopefully that will happen within a few days. It will be nice to have a working dishwasher again.

Another chapter in "The Joys of Home Ownership". My wife informed me that the dishwasher has been making an awful noise lately and the other day was the worst it's been. We could: a) call out a repair person or b) buy a new one. Yes, I realize there is choice c) try to troubleshoot it ourselves to see if we can fix it. However, I'm opting for choice b.

We got our first dishwasher in 1995. We remember because we bought it when DW was pregnant and started having trouble reaching the sink to do dishes . That one lasted almost 10 years and was replaced in late 2004. So the current one is actually 15 years old which is not so bad as appliances go.

I don't think it's worth paying for a service call plus any repair costs for a 15-year-old dishwasher. Plus, I've been self-managing gradual rusting of the one rack for the past few years, sanding it down and coating the edges. I even cut out a small section of the rack that was too badly damaged to save, so the whole thing is kind of ghetto at this point.

I've been browsing online and we'll probably hit a couple of stores on Wednesday and get a new one. It's not a huge expense as home repairs go and I can't complain about this one lasting as long as it did.

I said I'd try to blog more regularly so figured I actually need to post every couple of weeks.

I made our latest mortgage payment which brought our principal under the $10,000 mark. The end is near. I expect to pay it off in August most likely so that's exciting.

I haven't picked up any extra shifts at work the past week or two. I need to take a look at the schedule and pick up something in the coming weeks.

My wife and I are doing an overnight getaway this weekend. We're just going across the river into the city. There's a whiskey bar we've been wanting to try (we are big bourbon and whiskey fans). We didn't really care for their dinner menu so we're eating at a different place in the next block and planning to then go to the bar for drinks and dessert. The only problem with that is that we couldn't reserve a table just for that so we'll have to wait for space at the bar on a Saturday night. Hopefully around 6:30-7:00 it won't be too crazy yet. We're using a free hotel voucher for our stay. Just have to pay for parking.

Haven't done any decluttering lately. I'm hoping spring brings a nice weekend soon when I'm off and can start attacking the garage.

Need to start working on plans for our June trip to Dallas. The hotel was booked months ago but I haven't bought airfare yet. DW has been browsing the tourist sites looking for things to see and do when we're there.

I can't think of anything else of significance from the past couple of weeks so I'll stop there.

Happy Spring!

A couple of months ago I took a look at our cable bill, something I had neglected to do for way too long. I noticed we were being billed for 2 convertor boxes at $6.99/mo. each. However, we only have one. I went over to the office and told them and they agreed to take one off the bill.

Fast forward to last week. I was in the basement and came across a convertor box. Sure enough it is the one they insisted we had and have been paying for. I have absolutely no memory of why we have an extra box or why I never returned it. I brought it up and figured I'd drop it off next time I was over that way.

A couple of days ago, I get a letter in the mail from, the cable company. An account review showed that we're paying for one box but their records still indicate we have two so they're going to start charging for it again.

Now that I actually have the extra box, I can fix this once and for all. I'll go over today and return it and make sure our account is updated accordingly so that we can stop paying that $6.99/mo. fee.

There are 3 savings things that I do manually each month. I send $1,000 to our Ally savings account, $1,000 to our taxable Vanguard account, and $1,000 extra to our mortgage. I don't usually do them all at once but it worked out that way this time. I just did the Ally and Vanguard transfers.

When I went to do the mortgage payment, I discovered a notice that the annual escrow review showed a shortage (doesn't it always?) of $114.89. So I had to pay that. I also had already decided to up the extra going to principal from $1,000 to $1,500. So I did all of that and made that payment. I can't wait until the mortgage is gone in a few months.

If you really want to follow our decluttering process, I'd head over to the forums: https://www.savingadvice.com/forums/forum/financial-chit-chat/general-discussion/700407-2019-decluttering-thread. We just went through all of our sheets and mattress covers and are getting rid of a whole trash bag full that will go to Goodwill. Some worn out stuff is also going in the trash.

I didn't realize it but my wife and I have a "date night" tonight. Our daughter is heading back to her college for a fraternity event and will be gone from about 4:30 until after 11:00. I think we're going to cook dinner together and then rent a movie on one of the online services and relax with a couple of drinks. Not sure what we'll see but maybe A Star is Born.

Ok, this entry is NOT about saving money. It is about spending plain and simple. Our 6-year-old iMac has gotten incredibly slow. I think the last couple of software updates really did it in. It had gotten to the point of being almost unusable at times. Also, we have had Verizon DSL for years and from time to time, the service would be very undependable but lately it has gotten really bad. We never knew from day to day or hour to hour if we'd have internet access. As I'm sure you all understand, we depend on our net access a great deal at this point for all kinds of reasons from financial stuff like home banking to entertainment like streaming movies from Netflix to making travel arrangements to DD doing school assignments. Having access that we can't depend on just is no longer acceptable in 2010.

So... we are now the proud owners of a brand new 21.5" iMac and Comcast cable internet with a wireless network. The computer is beautiful, the screen is huge and the processor is way, way faster than the old one. And the internet access is now 3 times faster than the DSL and, I anticipate, much more reliable.

Oh, my wife also got her iPhone last week, so we now have 2 iPhones, an iPod touch, a netbook, a laptop and a desktop on the network. On the phones, the new cable hook up is superfast. On DSL or 3G, there was a very noticeable delay when checking email or viewing a website. Now, it is instantaneous. I literally hooked it up 10 minutes ago but I'm already loving it.

A few months ago, before the winter, we discovered that the paneling on one wall of our family room was rotting. We had never seen any water coming in but we had a contractor come out and he found where water was getting in. The roof over the family room is about 14 years old and the roofing material is generally expected to last 10 years so we were overdue for a problem.

The contractor said he should be able to do the job by the end of January. Of course, snowstorm after snowstorm kept pushing that back but he finally came out today to start the job. So far, so good. When he opened up the wall and poked around, there was no more damage than expected. I was afraid he would find rotten ceiling beams but he didn't. Hopefully, that means the work will come in close to the estimate he gave us which was about $2,200. I set the money aside back when he first came out so that's no problem. I just didn't want it to balloon much higher.

My wife's been home supervising. I'll see it in a couple of hours. Hopefully, everything will be done by the end of the week.

Those of us on the east coast have been buried under record snowfall this year. We've officially broken the all-time snow record by over 6 inches as of last night (and it is only early February). This week alone, we've had two major storms totaling over 40 inches which is unheard of in this area (hence the record).

Anyway, while most people have been snowed in, we actually got snowed OUT. Last night while I was washing the dinner dishes, I saw a bright flash out the back window. My wife happened to be looking out the front window at the time and saw the transformer blow on the electric pole and out went the power. Considering it was still snowing heavily and the number of homes without power was in the tens of thousands, we figured it could be quite a while before a crew got out there to fix the problem and restore power. So we decided to escape and spend the night at a hotel.

I called the local Fairfield Inn and booked a room, then went out and cleaned off the car and shoveled enough of the driveway so I'd be able to get out. My wife and daughter packed overnight bags while I was doing that and we hit the road. It was kind of eerie as roads that are usually heavily traveled interstates were deserted. Between home and the hotel, I doubt that we saw more than a dozen cars. We made it there safely and checked into a nicely lit and heated room, two things that were lacking at home.

This morning, I called the house and the answering machine picked up so I knew the power was back on. We had breakfast (included with the room) and packed up and came back to the house. Other than one large tree branch coming down (no damage done), everything was in order. So ended our little snow adventure. And only a tiny ding to the savings for an unplanned hotel stay.

It started snowing about 6 am Saturday and forgot to stop. By the time it was done, we had recorded the record high snowfall for the month of December beating the record set in 1909. We also got the 2nd highest snowfall ever after the storm of 1996.

Needless to say I've spent a good part of the past 2 days snowblowing and shoveling snow. I'm done now. Well, not done in the sense that all the snow is cleared but done in the sense that I'm not going out there again. I've got my car shoveled out. The van is mostly cleared but needs a little more work. I'll probably do that tomorrow night after work and DW and DD can work on it tomorrow, too.

It has been a long time we've seen snow like this (13 years to be exact). I just hope this isn't a sign of things to come this winter.

As I reported a couple of weeks ago, we've been working on some house cleaning lately. The first round turned up some monetary rewards by finding stuff to sell on ebay.

This week, cleaning actually turned up money. Wednesday night, I was cleaning in the basement. I came across a file box of papers from when my wife and I ran the Girl Scout cookie sale for our daughter's troop 3 years ago. I realized there was no reason to still have that stuff and started pulling everything out to recycle. In one of the folders, I found a $20 bill. I'm certain that we handed over all money due to the troop so this $20 probably belonged to us for some reason, but I have no idea why it would have been in that file. So the next day, I stopped at the Girl Scout office and told them the story and to give the money to her troop (she's not a scout anymore).

Today, my daughter found a $20 bookstore gift card and $8 cash plus some change while cleaning.

So that's almost $50 turned up in a few days. Get rid of your clutter and get organized. It may pay off more than you realize.