 Nancy, thank you for waiting patiently there in Port St. Lucie. Go ahead. Hi. First of all, I want to thank you for all the years of advice that you have given us, Christian and non-Christian. I am so thankful for you, and I'm thankful for this call that I finally got through. My questions were both answered with previous guests, but I want to get your opinion. I owe $24,000 in credit cards.