 People who've come to you and said, can I borrow five bucks? I don't have any money. And then you see them out at McDonald's. Or you see them making some other purchases. I thought you were broke. Why are you borrowing money from me? Oh, well, you know, I didn't have money at the time. I found a little bit more. My paycheck finally came in. For them to make excuses because they realize they can get something off the generosity of others.