 So the credit cards are probably totaling about $10,000 less to pay. Good. Personal loan is about $10,000 as well because I have two. They're small. Perfect. And then the student loan used to be $20,000. Now it's $9,000. Okay. So I paid that down. Okay. So what I want to do temporarily is stop paying on the student loan completely. Who's the personal loans with? Personal loan is some silly companies called Opportunity and Reprise. They were basically when...