 All right, let's go ahead and pass along a great tip. You know, more and more Americans are just using buy now, pay later. They've got the names like Klarna, Affirm, and even Apple will spread the cost of what you're buying to smaller chunks that you can pay over a few weeks or even months. It's kind of like the modern old school layaway plan. Now, in 2023, it's going to be so much higher this year. 88 million people used BNPL. That's buy now, pay later on their purchases.