 And you shake hands on that. Now you go out there and say, I want to buy a car. Can I buy the car on payments? And the guy says, why would I give you the car on payments? You'll wreck it before I get my money. He goes, no, I'll guarantee you I'll make the payments. And if I wreck the car, I'll pay the whole thing. So you shake their hand and say yes. Now what you've done is you've created opportunities to prove that you have credibility. But when you don't pay your payments, when you destroy assets...