 And Chris, when you hear about people, and it's necessary, you've got to do what you've got to do, but should you ever be putting groceries on a credit card if you know that you can't pay it off immediately? Yes, because I'm willing to bet that all four of us in the studio at some point in our lives have done exactly that. Most people have. I mean, yes, you're supposed to say don't put it on your credit card, but the reality is a lot of people do. But if you've done it, then the question is what then do you do? And I think there you want to get creative where you want to join people