 And just to reiterate, no one wants to ask for help. In fact, Michelle Singletary says people will put off asking until they're in an even deeper hole. Lots of people will, they'll have their car taken away. They'll be evicted before they mention it to anybody. And that has happened to us as well. And I was actually pretty angry with the person. I was like, why didn't you tell me you needed help? Although I knew the answer, they were embarrassed.