 and all you do is get dizzy. And then people walk around, and I was at a party the other night, and the guy goes, yeah, Dave, but I have an 800 credit score. And I'm like, gee, bless your heart, man. It's cost you at least 100 grand in interest. Because the only thing you can do is just worship at the altar of the great FICO. Great FICO, we bring you offerings of interest. And that's what Americans have done. They've fallen for the biggest scam in history, which is the FICO score.