 Yeah, it's one of the only types of debt that's somewhat reversible because you do have an asset attached with the liability. So you can sell that car, hopefully get a good portion of that money back, get out of this thing, save up a little bit more, and purchase a used cash car to get around in. That's a big part. And then there's just lifestyle. That's right. And I get housing is expensive. We get calls where people's mortgage is 50%, 60% of their take-home pay. And I'm going, and you wonder why you have no margin in your life. It's big. So you've got to make different decisions when it comes to housing.