 It is the tree of life. So when you get that hope because you pay off that little one, you go, whoa, this is weird. I never paid off a debt before in my life. There's another one. Knock down another one. Look at that. And there's another one. I got another one. And you start getting more and more and more pumped because you're getting through it. And your likelihood, your probability of completion enters into it. And when you actually convert that to a math formula, the debt snowball is far superior because in the real world it's far superior. And so it shows up in the math. Yeah, that's right.