 Because it's not pretty anymore. And it's bending people over. And it's going to bend over a whole bunch of people. Because they know that people that are lower income cannot pay the bill off in full. I have so many friends who, fresh out of college, were looking at their financials and was like, I don't know how I'm going to do this for the rest of my life. Because we were kind of encouraged. They set up shop on college campuses to get you to sign up for a credit card. I know they did.