 very appealing for people if you're, you know, if you're struggling with finances. Quick access to easy cash, right? It sounds great. But again, as you saw in that little sheet, right? The amount of interest rate they're going to charge you, right? That's accumulating in the background, which you don't see. And we know that when you're paying the minimum amount due, right? That compound interest is working against you, right? So at the beginning you said double-edged sword. And so let's look at the other side of this. What if you are right now really struggling with your finances and