 I mean, there's pros and cons to both ways. Absolutely. I will say the big pro of having the mobile banking app with whoever you bank with, they all do it now. But you pull up the app and you look at your bank account. There are some charges that are not going to show up in your ledger because you need to find out where did that come from. And that's where you call somebody. But obviously stuff like that won't show up in your written ledger.