 Thank you for joining us, America. George Camel, Ramsey Personality, is my co-host. Joe is in New York City. Hi, Joe. Welcome to the Ramsey Show. Hi. My parents have recently taken out two loans to remodel their home in the amount of $55,000, and they're trying to tell me I'm responsible for it, and I want to know if I should agree to this or not. I'm sorry. Why would you be responsible for a loan on their house? I'm confused.