 So we are just under $70,000. Okay. And so if we have $20,000 in the end of nine months, we would throw that at it with $1,000 left in the account for baby step one, and the first $20,000 of your $70,000 is gone instantly. You would have already paid that $20,000 on it were you working a total money makeover baby steps during this nine months. So you really have not lost any ground except a tiny bit of interest.