 and a HELOC that's $46,000. So it's basically $90,000 in credit card debt. So something's broken with that system. Would you agree? Yes. You don't end up $90,000 in credit card debt when something's working. So no use of plastic is going to be okay in your house. You guys have to go cold turkey. You don't walk around with a flask in your back pocket if you're trying to quit drinking.