 and the first $20,000 of your $70,000 is gone instantly, you would have already paid that $20,000 on it were you working a total money makeover baby steps during this nine months. So you really have not lost any ground except a tiny bit of interest. Good, good, good. But that gives you some padding for baby, and I want a little extra padding because if there's a little bit of a hiccup or something, I want you to have some money. Yes, sir, yes, sir. And James. Yes.