 Family-wise, we would be better off financially. And the credit cards I look at, it's one of the scariest things. It's scary. The math is not scary. What's scary is the pattern of being out of control and staying out of control. That's what scares me. It's not sustainable. You know this is heading towards the wall, and you're going to T-bone the wall and just blow the whole thing up, right? You know that's what's coming.