 It was supposedly in the name of the consumer, but it really... Well, now the consumer's going to lose more money over the long haul. Hello. That's how that works. Wow. That's exactly what happened. So they actually were helping the consumer. We're going to make sure that they get charged more. That's really what it came down to. And that's what Dave is discovering right here. Exactly. This is The Ramsey Show.