 I just like to start off with giving glory to God. Um, literally five minutes before I called, I wrote down on a piece of paper and I said, I have a net worth of negative 110,000 and right below that I put, I will become a baby steps millionaire. So, um, I, my question is, um, I know you tell us, uh, you won't tell us to file bankruptcy, but my question I guess would be, am I bankrupt? Um,