 So you've got $64,000 that can probably be settled for $6,000 or $8,000. But you're going to start calling them and offering them $0.10 on the dollar to settle. And every one of them will take it. You're just going to have to hardline negotiate with them and get it in writing before you give them money. You can work your way through this stuff. Hold on, we're going to put you through Financial Peace University.