 So we are just under $70,000. Okay. And so if we have $20,000 in the end of nine months, we would throw that at it with $1,000 left in the account for Baby Step 1, and the first $20,000 of your $70,000 is gone instantly. You would have already paid that $20,000 on it were you working a total money makeover Baby Steps during this nine months, so you really have not lost any ground except a tiny bit of interest.