 Because the world already realizes that they're a bad person. What do I mean by being a bad person about credit? Let's talk about it. There is no such thing as credit. Credit isn't a word. The word is credibility. Credibility said that once upon a time in your life as you were growing up as a young punk kid, you decided to ask somebody to do you a favor. Can I rent from you? And they said, well, why should I do that? That's a risk. Well, if you'll let me rent for you, I guarantee you I will pay you and I guarantee you I won't wreck your place.