 And this is only going to get worse. My wife and I, for the first time in our marriage, paid off all of our credit card debt. And I think of all the money we wasted. It is horrible. So, yeah, unexpectedly surges. People living on their credit cards. APR is at an all-time high. Listen to this. 22.76% generally if your credit rating is worse. That's loan shark stuff kind of.