 and you're now working on investing and paying off your house and your kid's college and that kind of stuff, now you're in the investing phase of your financial plan and our baby steps, now you can go on vacation. But until then, you should not be on vacation. You should be getting out of debt, and you should be building your emergency fund, baby steps one through three. But if you're foreign beyond, we want to offer you the live like no one else cruise program.