 And then I'd call up your friend and say, you know, if you can pay me, that would be nice. But if you don't pay me, I want you to know I'm just going to forgive the debt because your friendship is more important. And tell the cousin the exact same thing. And I'll give you about a 98% chance you get no money. But by the way, even if you don't do this, I'm going to give you a 98% chance you get no money. You loaned broke people money.