 That's why we're a sounding board so many times. Once you spell out, you don't need this. They go, oh, okay. Why were you looking into it? Oh, the salesperson was trying to sell it to me. That's what it comes down to, right? Because they make it sound so good and that they need it. Because it's always nice to have some extra cash in your pocket, right, Brett? I mean, they can spend anything, right? But most of the time, it doesn't make sense. But also, and I don't mean this disrespectful at all,