 I use Credit Karma, but I don't really have a dog in the fight there, other than using it as a way to track what my current credit rating is. Credit Karma, I don't pay them any money. They don't pay me any money. So I really don't have a dog in the fight, as I usually describe it. They say roughly 43% of Gen Z and 41% of millennials struggle with comparisons to others, and they feel that they're being left behind financially.