 But for folks that, like, have maybe racked up some credit card debt, maybe they've hit some hard times. Maybe they've had some medical expenses that came and they didn't expect them. A lot of people don't think to turn to their home's equity to get themselves not just in a financially better position, but I always say it's almost as important to get you in an emotionally better position. Nobody wants to live in debt or feel like they're being swallowed up by bills.