 And when you do that, you satisfy the minimum payment. And then whatever your extra payment, which is going to be as much as you can scrounge up, you can literally throw it at that smallest increment of the debt so that you can knock it out quickly. It all goes towards the principal. So I challenge you to take a look at that because they might be even smaller with smaller account numbers. What's your household income? Currently between the two of us, it's $207,000.