 like the people who did take out debt 10, 20, 30 years ago, and that they're just now kind of being able to deal with that for whatever reason. 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 the end of the rope. And that's sometimes when folks will reach out to me. So you've got that negative amortization, which is you mentioned.