 We, Ramseys, and people that work at Ramsey are all very passionate people. We have loud, arguing, fun discussions about things, but we don't wish death on people. Oh, gosh, no, no, no. I mean, I'll argue with the president of Visa. I mean, no, it's just the president of Visa. It's just a credit card. It's okay. Don't go in credit card debt. It's stupid.