 And all of that was because they saw you coming, and you had that stink on you of desperation or impulse or immaturity or something. I don't know, but something led you into a really, really bad car deal, and you made all the decisions. So that makes it that much harder to get out of this. So learn your lessons from it. The good news is you learn it at 28. You don't have to do it again, right? Yes, sir. When I was your age, I was going bankrupt because I was an idiot.