 And you will have more than that with her van and your 40 truck will be more than half your annual income. So we need to back your truck down to 50 minus her car value. We'll call her car value 10 for the fun of it. That would put you at 40. But 30 is going to be fine. That's enough. So I'd move you into a 30 truck. So you need 18 more to do that because you've got a 12 truck.