 Okay, so that's 16 of your 36. Then you've got 20 more. How much of that's medical bills? Eight. Okay, so you've got 12 in credit card debt. I have six in credit card debt, and the remainder is to individual people. So I rest my case. It's irrelevant. It's only $6,000. If the interest rate was 100%, it wouldn't matter because it doesn't amount to any money.