 And unfortunately, many of you are in that spot. We know that statistically about 13% of you will hide that debt from a loved one and another 7% of you just ignore it and act like it's not even there. There's a reason why these charge card companies have these temples to themselves as far as buildings. You're building them for them. And that's the problem is that the people that can least afford to finance the charge card companies are the ones that are financing them.