 that the company pays to the lender like closing costs. And you don't see that, and you're thinking you're paying nothing for it. You are. It's built into the price. It's not called interest at that point. So if you pay it off early, it doesn't do anything for you. With us, we don't want to incur those cards. Actually, I'd rather have a check than a credit card because basically the credit cards charge 3%.