 How's your credit? Bad. Well, why is your credit bad? And why do you have no money if you've had a job? Well, because I want more than I can afford to pay. And so I buy stuff on credit that I don't pay it back. I spend every penny I make because I'm living above my means. Now, they won't tell you that. That's just facts behind where they're at. And so the bottom line comes down to...