 Looking at that bottom line and going, how do I still owe this much after so many years of making payments? Exactly. And maybe feeling exhausted, you know, kind of at their end of the rope. And that's sometimes when folks will reach out to me. So you've got that negative amortization, which, as you mentioned, for the most part, sounds like is ending. But then you've also got deferments. Students who, you know, for various reasons were able to defer some of those payments. Do you recommend deferments or does that really just, you know, delay the inevitable?