 The HELOC is 46,000, and that was just this past year. What did you do with that? Unfortunately, it helped us pay off a bunch of credit cards. No, you didn't. You moved them. It helped us consolidate them, I should say. Yeah, you moved them onto your house. And it didn't help you consolidate them. It put your home at risk, so it's not a help. And you didn't stop spending. You're still spending more than you make, right?