 percentage rate, whatever they offer, and then that gives you time to build up a reserve so that you can better handle. Yeah, that's news to a lot of people. They're probably hearing that for the very first time. Let's take a quick phone call because we only have a moment or two left. John is listening in Portland, Oregon. John, hi, you're on the air with Dr. Michael Grayson. Go right ahead. Hey, how are you doing, guys? Well, thank you. How's it going? Okay. I'm trying not to get emotional about this, but, you know, we're the richest country in the world.