 And it's frustrating when you are working really hard to pay off debt and you're looking around and you know your neighbors don't make enough money to pay cash for those cars they just pulled up in and the renovations that are happening. And you're worried about what happens to all of us when people default, when they get scared about their economy and all that. And you also don't want to go knock on their door and be like, hey, you ever hear of Dave Ramsey? You don't do that. We get that. One way you can help out your neighbors, your community, you can help out this country is something as simple and as no cost.