 No, you want to borrow as much as I'll give you. So if you're able to borrow money at 0%, if you're in finance, if you're not in finance, maybe that's the right answer. Because you're like, what if I spend all that money and then I can't pay the money back? Now what happens, right? Complex financial planning usually exists for, do you think it exists for the poor people that don't have any money, that can't pay those really advanced financial planners?