 and for tuition to the School of Life, and the School of Life just gave you a passing grade on never loan people money. You have passed that class now. You paid the stupid tax. So if I woke up in your shoes with your situation, I would tell your wife, first thing I'd do is sit down with her and say, okay, I've made the decision that I made a mistake when I loaned your cousin money and when I loaned my friend money.