 you know, envelope in the mail. They're starting younger and younger. My oldest is a freshman in college. I mean, he gets a credit card solicitation almost daily. And the language around that solicitation is congratulations. You did it. You earned it. You're a good student. You deserve credit. It's the way we pay for things. And so they get you in and get you charging. They know they're not going to make a whole lot other than the merchant rebate.