 Okay, your desperation for a car, whatever created the desperation, I don't know, caused you to get screwed and get a cosigner in the process of getting screwed because you've got a horrible loan, and you just bought a car and desperately wanted that car for some reason, so you're willing to do whatever because you're dealing with a subprime lender, and they pulled in a cosigner, and you probably paid too much for this car, it sounds like, on top of all that.