 And now you have a lot of that information available to you. Yes, and it's all electronic, you know, so you're not paper shuffling anymore. Oh, yeah. Well, I know when it used to be you applied for a credit card, it would take a while, but now instantaneously they can pull up your data and know if you're a good credit risk, et cetera. Right, yeah. It's just so, so quick, so quick these days.