 Josephine is in Brooklyn. Hi, Josephine. Welcome to the Ramsey Show. Hi, how are you? Better than I deserve. What's up? I'm in a little limbo here. So I was watching your show off and on, you know, I work, but then I was home, working from home this day, and I was watching your show where you were talking about old debt, when you go into debt, when you have a debt and you don't pay it off and it goes into collections.