 what type of, I wonder how they're managing their money. Now on a personal level, when I think about broke, I think about paycheck to paycheck. And it's that person where your, your money's coming in and it's going out. You don't know what you're spending it on. You're not on a budget. And at the end of the day, because of that, you're not able to do the things that cause you to be irresponsible.