 He's got two of them. One was $45,000, and he's paid, I forget how much he's paid, X dollars every month. But now it's up to $65,000 is what the balance is. He can't get out from under it unless he pays extra. Well, he can't pay extra because of the taxes and the inflation, and there's all kinds of other headwinds. And he's really frustrated. Sounds like he needs to talk today.