 You know, it's expensive. And so that makes it more risky. Well, if you're somebody who has assets and then you personally guarantee stuff, you know, you might not be able to recover from that because, you know, if you had to go through a bankruptcy, you might not be able to protect all your stuff. If you're somebody who doesn't really have anything, then you don't have a whole lot of risk because if you go in a bunch of debt and don't have anything, there's always the bankruptcy option.