 And the student fails to tell their new fiance. Or the student doesn't get a job. You remember that time you said you were going to pay this loan and they go, no, I didn't. Yeah, that's what happened. We hear that all the time, don't we? Well, that or the student doesn't pay and the parents like, well, I guess I have to pay it. And then they're frustrated. I mean, like it's just it ends up being this like tangled mess relationally. But whose responsibility once it comes due? Whoever promised to pay it morally.