 So on one hand, you know, you've got companies that borrow money in the capital markets that they build a factory and they grow and they meet demand and it magnifies their growth. But on the other hand, if you're going and you're borrowing money for a fancy car, well, that fancy car is going to depreciate it, but you're promising your future income for that. And I think you have to take some serious care and discipline when you're making those kinds of decisions because you'll lose that.