 No, we're the only ones. Then you guys are definitely going to be the ones that are making these calls. And just know financially, put yourself in the best situation that you can, because where these numbers fall might leave you guys on the hook to be shelling out a little bit of cash, unfortunately. But you're on top of it. This is The Ramsey Show. I'm Dave Ramsey, and you're listening to News Radio 1460 and 107.7 FM WBRN.