 but pretty much everything else you can do now, ACH, like through your bank account, which by the way, be very, very selective on who you give access to your bank account to. With all these bills, you know, the reason why these companies want you to switch to your bank account is because they get their money very easily, right? There's no like buffer between you and them. It's like they just say, oh, your bill is $80. And by the way, we just took it out of your checking account. Thank you for that. Oh, I didn't even do anything because I give you access to my account.