 I had the student loans, the car payment, the credit cards. I was diagnosed with multiple sclerosis back in 2004, so medical debt. And then I had a very short marriage in which I paid a lot of money, so divorce debt. Later that year, I was kind of wondering what I should do financially-wise, and in the bulletin at church was an advertisement for your class. There you go. So I didn't know how I was going to pay for your class.