 That's exactly right. And brother, listen, like she said, we're going to give you Total Money Makeover, the book, for free. We're going to give you a year subscription to every dollar that attaches to your bank so you and your wife can learn to budget together for free. We're going to hook you up with a phone number so you can call a financial coach and you can help you figure out which bills and how to tell this creditor we're going to move this one over here to help you navigate what's coming your way. And they will pick up. Yes, they will pick up when you call. But listen...