 It is the tree of life. So when you get that hope because you pay off that little one, you go, whoa, this is weird. I never paid off a debt before in my life. There's another one. Knocked out another one. Look at that. And there's another one. I got another one. And you start getting more and more and more pumped because you're getting through it. And your likelihood, your probability of completion enters into it. And when you actually convert that to a math formula, the debt snowballs.