 And that is a very scary, scary place to be. And that's what happens when interest and fees pile up, the asset drops in value like a car does, and that's the one you see most often is that scenario, is the underwater car. So that is why we teach the baby steps of paying off the debt, staying debt-free. It's the best way to build wealth because it frees up your income. And so, Ken, when you do your net worth calculation, which is your assets minus liabilities, what you own minus what you owe, the most beautiful part of living debt-free is that you have nothing –