 But I just remind everybody, yes, interest rates are higher, but instead of sitting nickel and diming, maybe you ought to look at it again. It's the amount that you're borrowing that makes your interest more expensive based on the amount you borrow. Get what I'm saying? You're going to pay the interest rate. If you borrow less amount of money, less money comes out per month through your checking account. The more money you borrow that you probably don't need, don't complain about the interest rate. It's based on the amount of money you borrow. Some economists and financial advisors, I should say, recommend if your car is paid off...