text:  which again, we're not a gatekeeper. I'm not going to say no, but I'm going to say, hey, okay, well, if you do this, let's just be aware. Let's just look at how this affects the whole plan. Let's have a real honest conversation around it because the numbers aren't going to lie. Facts are facts. Instead of doing that, it's more of a reliance on accumulating credit card debt, high-cost consumer debt. So this is where...