 I had all of the debt. I had the student loans, the car payment, the credit cards. I was diagnosed with multiple sclerosis back in 2004, so medical debt. And then I had a very short marriage in which I paid a lot of money, so divorce debt. And later that year, I was kind of wondering what I should do financially-wise, and in the bulletin at church was an advertisement for your class. There you go. Wow.