 you know, that is a really big deal and can help prevent you from falling into a cycle that's, you know, financially perilous, I'm going to say. I mean, I know that sounds pretty dramatic, but it could be financially perilous otherwise. Or it could be the kind of thing that prevents you from doing other things. If you've got, you know, credit card debt that you're trying to get out of, what does that prevent you from doing?