 But what happens is people need money and they get a little overloaded when it comes to the debts that they've been spending. So they look at that and they've got, you know, they got a $1,500 payment at three and a half percent, but then they got $1,100 in car payments and $1,500 in credit cards. And then somebody always says, I need 25 or 50 grand to fix my house or do this.