 Definitely make sure to read your loan terms before you start making a bunch of overpayments because that could be a really sad story in the end. Yes, I would think that could be rather discouraging, to say the least. And then some of the other, the refinancing we talked about, everyone that I ever talked to in finance would say you need to have a budget figuring out. And, you know, you need to at least know what are your major –