 And you just got to now experience it personally. So my opinion is that you wrote an $8,000 check to the tuition for tuition to the School of Life, and the School of Life just gave you a passing grade on never loan people money. You have passed that class now. You paid the stupid tax. So if I woke up in your shoes with your situation, I would tell your wife, first thing I'd do is sit down with her and say,