 I don't have an answer for you. Ray, do you like being told no? I do not. Okay. That's simple. I don't like being told no. Nobody likes being told no. There are reasons to be told no, but you can do it in a fashion of this is why we can't do it right now. This is what we have to fix. You're six months out. You're a year out. You know what? You're three years out. I talked about that one customer before. Three years. Three years we worked on fixing her credit to get her a house.