 When I say, oh, I'd like to use my card and they say, oh, well, it's an extra 3% or 4% or whatever. And this happened to me the other day. And I said, why? Why are you charging me 4%, 3%? Oh, that's how much they charge us. We're only charging. Well, excuse me, you're running the business. That's part of your costs of running a business. When I wrote my book,