 with super high APR, now you start to appreciate the fact that they don't benefit from a lot of that. And so this is an extremely pernicious new way of trying to further financialize the cost of getting exorbitantly high-priced healthcare in this country. Finally, quickly, Dr. Chino, I saw you nodding your head. It seemed in skepticism of transparency, price transparency is the only means to solve this problem. I share that skepticism, so just a few seconds on why you were nodding your head.