 And they got a bunch of credit card debt, a couple of car loans. They co-sign for their kids doing something. And they come here to get consolidated and their debt ratios are all out of whack. I'm telling you, let me help you. Let me help you. You'll get an honest opinion. I promise you. If you don't get the best and honest opinion, then fire me right on the spot. Just fire me right on the spot and tell me why.