 Okay, because the truck's not worth enough to cover in the event of a repo, so they already don't have sufficient collateral, and they're just allowing you to get rid of the debt, which ensures that you're actually going to pay the 10 or the 12 or the 15 or whatever the difference is. So that's what I want to start with is try to get them to cover, let you sign a note for the difference. How much other debt other than cars do you have? Credit cards, personal loans, and student loans. How much credit card?