 Okay, I'm talking funny because I'm in the witness protection program. I have too much credit card debt and I don't want people to find me. Okay, I'm just kidding. We're going to talk about credit card debt. Right, those plastic things that we all have in our wallet. Are you in your 50s or 60s and you're still carrying around a mound of credit card debt? Wouldn't it be nice to start banking that money and save a little money for retirement down the road? We help people restructure their credit card debt all the time.