 And if any of you are thinking about paying down debt, whether it's mortgage or a school loan, before you start to make these big decisions, get in touch with us. That's why we're here. Go to JillOnMoney.com and click the Contact Us button. Don't forget to let us know if you want to join us on the air live. You see, if Adrienne came on, I could ask all those follow-up questions. I know maybe she's shy, but we'll get to her. I promise we're going to follow up and make sure she gets this.