 All right. We all got debt to some extent. What's the game plan there? And then the fourth one is growth. So I think a lot of people mistake. Oh, you're a finance guy. You just focus on stocks and the markets growth. That's the fourth one. We can't put the cart before the horse. So I follow that four step process. And I think that's kind of the sound way to go about things. How do folks get in touch with you?