 Okay. And so either way, if you did the math, the way you guys are attacking this with intensity, it's not going to matter if you do the one that's 19 or 21st. But the debt snowball method psychologically causes people to actually finish and to actually stick with it. And that's the power of it. Right. The key is you're not focused on interest rates, trying to play this game and listing highest interest rate first and then falling off the wagon because you're trying to tackle a mountain.