 to pay them off and not to use them when you shouldn't or don't have the money to pay them off, then you shouldn't use credit cards. They can cause long-term financial problems. And, you know, a lot of us, everybody's probably had difficulty at one time or another, carried credit card interest, and you can't do that. You've got to pay it off. And, you know, I've been there and done that. You cannot get into that situation, especially going into retirement. Sure.