 Okay, so is that the, you brought that up twice, is that the only thing they're doing that you think is irresponsible? Yeah, pretty much, because I don't, like, even their emergency funds, they don't even have them in a high-yield savings account, just little things like that. And I feel like I've said all I can say without, you know, really touching the relationship. Right. Okay, so their emergency fund is where?