 right and manage a checking account and uh because people run those things into an overdraft you know like just oh i guess if i can keep pulling the card out they'll just keep paying it you know it's like you have ding ding ding ding ding ding yeah and it runs up a bunch of fees so uh you know and there's a fabulous story in the book when rachel bounced the check and i came home and there's nsf fees she's 15 years old laying on the kitchen counter oh boy i made her go