 Thank you. That's your problem. The problem is your mirror. The person in your mirror is your problem. It's not an interest rate problem. That's thing number one. Okay, let me walk you through this for a second because this is something I just, in the last two years, got my head around. I knew the debt snowball method was working better than the avalanche method because we help literally millions of people get out of debt using it, and the avalanche method does not have the same success level.