 I just feel safer. I feel like I'm more protected somehow. Anyway, American financing, life is busy. I mean, jeez, you're doing a million things, and if there is a drag on your finances, it is, well, you can't get past it. You just, you can't. You can't get past it. It keeps coming up, and you keep avoiding it, most likely. If you're anything like me, I avoid things like this.