 Hey, how are you? It's great to listen to you. Thanks, man. How can we help? Well, I have been struggling to keep my head above water for quite a long time, fighting with it. I have $75,000 in credit card IRS debt. Wait a minute. Which is which? You have $75,000. How much IRS? $44,000. Okay. And so $30,000 in credit cards.