 You know, it's sorry to hear about it sounds like it must have been a passing of the father. But to me, it's an opportunity, though, because if this person does have loans and credit cards, I don't know the rates exactly. But I think most credit cards are in excess of 20 percent interest rate per year on average. Loans, I'm assuming, are probably well over seven or eight percent. That's a lot of money that's going out the door right now on a fifty thousand dollar debt.