 You borrow this, you take that percentage and that difference, and you go get that asset and then this and that. And you play this game. The set of assumptions you have to go through for all that crap to be true are absolutely ludicrous. Okay? Number one, you have never met a millionaire. We studied 10,167 of them. Zero of them, precisely zero, said, I borrowed money on my car and arbitraged it into being a millionaire. Zero. Zero. None. None.