 No, I'm not. No, that's what you're doing. Well, building credit. Okay. There's only one way to build credit, only one reason to build credit, and that's to go back into debt. So you're telling me don't worry about it. If you're not going to borrow money, you don't need credit. And, you know, there will be things, Valerie, that they may pull your credit, right? If you apply for a job, sometimes they will pull your credit report. For cell phone companies, sometimes they'll pull your credit report. Renting an apartment, you know, there's different times in life, yes, they will pull your credit report.