 You know, this is the crap that's on the Internet, and it's just crap because we meet 26-year-olds with a paid-for house doing their debt-free screen. That's true. So, I mean, we meet people all the time that are doing it and making it work, but they're just not overbuying. Yeah, that's right. And they're not buying crap they can't afford. That's right. Paul's in Chattanooga. Hey, Paul, welcome to the Ramsey Show. Thank you, Dave. I have a great situation to be in.