 That's the most swing you could have in this whole thing, and you're not even going to have that much swing. Your whole swing in between, if you ran out the numbers on two probabilities, you would find that the actual math is probably around $1,200 that we're having this conversation over. You don't have a $1,200 problem. You have a $23,000 problem and a lifestyle problem and a process problem, and you're spending money you don't have to impress people you don't like, and you've decided to stop because you're smart. Way to go.