 That's right. And I think there's a psychological component to that. It's like, let's say you have five different debts and you consolidate them down to one. Part of you feels like you've done something and I have less, quote unquote, less debt now. It's like, oh, this is easy. This is one easy, convenient payment as opposed to the five I was paying before, even though it's probably the same. And so in many ways, you kind of feel like, oh, I can I can go into debt again. I only have one. Right. And so I think you really have to guard against things like that.