 So I got a quick question for you. We hear advertised fairly regularly, I guess, debt consolidation companies where they take all these outstanding payments you have towards credit cards, cars, and whatever, and put it all in one place. I guess, would you financially advise in using them? Well, if you're trying to lower your payments on credit cards, they're already, you know, if you paid the minimum, it would go 30 years. And so to lower your payment with a credit card is not realistic. You're never going to get lower than a credit card payment.