text:  So what are you going to do? Is there going to be 30 million people declaring bankruptcy all at once? Or are we going to have more than that? Well, that's why they've tightened down the bankruptcy regulations. I mean, that's the whole thing is that these are the same people that now you're going to have your student loan debt to deal with. And, you know, this is why we talk about, you know, even like going back to this battery analogy. I mean, the average person, if they go up to the dealer and they say, well, it's $15,000 new battery, they're going to have to finance it, right? I mean, they have no choice. I'll tell you what.