text:  It started off at 4%, but then it fluctuated with the market real pricing. Yeah, okay. So you're out of that. You're renting now. This is a wonderful time for you guys to just hit reset. If I'm you, you need to pay off these credit cards. You need to cut them up today. If I told you right now, if I said, go get those credit cards and cut them up, would you do it? Seriously? Yeah, 100%.