 And the student fails to tell their new fiancee. And then they get married and four years later, mom and dad go, you remember that time you said you were going to pay this loan? And they go, now I didn't. Yeah, that's what happened. We hear that all the time, don't we? Well, that or the student didn't pay and the parents like, well, I guess I have to pay it. And then they're frustrated. I mean, like it's just, it ends up being this like tangled mess relationally. But whose responsibility once it comes due? Whoever promised to pay it morally.