 that this is an advance on some of the estate plan, and either mom's share or my share or however it works is reduced by the amount you want to give me to reduce the student loans. I can talk about that as a gift, and we'll put it on the student loans, but I don't want to be in debt to you, and I'll just work it out. But thank you so much for the kind offer. I honor you. I appreciate that. I know you've got plenty of money, but the idea of me having to pay my grandmother payments makes me ill.