 because it'll heal over time when you don't have any payments and you get rid of the IRS. Right now it's not healing. As long as the IRS is sitting there, your credit score is going to stay down, period. So you're going to be renting for two years, you're going to be 69, and you're going to be buying something at that point. During that time, however, you will not have any of these payments, and if you can keep your health up and continue to bring in the income, you can stack some cash on top of that 75 or 80 we got left over, right?