 Hey, I just want to say all those folks that are riding with Biden need to put on a seatbelt because the road's going to get a little bumpy. Yeah, that's right about that. Frances, welcome to Birmingham, Alabama. Go ahead. Yes, good morning, guys. My, I guess, statement or question is this college debt payoff that Biden's doing. I know there's a cutoff on it, like a certain amount people have to owe, but