 And then you just slowly but surely follow a proven process and pay it off. Get after it. There's no magic to it. There's no secret sauce. You've got to get after it. You've got to push it through. You can do this. And what we know is that we are positive because we've personally witnessed people from every background, every income, every situation, every race, creed, and color have been able to do this stuff. And we're willing to help all of you.