 because she needed her car to go for job hunting. And so that was a multiple request. She didn't ask for it. She didn't say, can you pay my car note for a year? But we looked at her budget and thought, she's just not going to have it. And Michelle's family would never have come to that conclusion if not for takeaway five, which is ask for details. If someone comes to you asking for money, it is time to look under the hood of their finances. The first thing is like, what happened? What's going on?