 I told people actively do not use Venmo because I'll tell you what I think is shady about Venmo. Okay. When you have a balance on Venmo of like, let's say you have a balance of $80 and you pay a bill for 90. I know where you're going. Don't you think that the charge on your card would be $10 because they're like, oh, well, let's use the $80 you have. Plus we'll take the $10 from your card. No, no. They take the full 90 and leave that 80 in your account. Why do they do that? Why do you think?