 At some level, I may or may not convince you of what is the right thing for you. But at least I want to talk about what options you have. And I really think that that's the most important thing here. I know you want to be rid of this debt. Of course you do. But maybe there are better ways to get there. Maybe ways that might not impact your future retirement goals as well. So before you do anything, please, please, please get back in touch with us.