 They don't get that money back. They might get a credit, but now that money's gone. So these are the things that you don't think about that when you do or you have somebody that you're being accountable to that's saying, listen, you better think about these things and you're asking them and you're talking to them constantly about it. That's what makes them happy. That's what it is. And, you know, I teach my clients how to get out of debt quickly.