 Well, thanks for taking my call. I'm a little nervous, and it's kind of a lot, so I'm going to try to summarize it because I know time is of the essence on phone calls like these. My husband of over 30 years has left me. It's the third time in five years he's left. And he's told me that if I do not help him get a HELOC on the house for over $100,000, he'll file for divorce. Mm-hmm.