 if it's a Rule of 78s loan versus a simple interest loan. Because if it's Rule of 78s, it's front-loaded with interest versus a simple interest loan that is a percentage of all of your payment goes to the principal reduction. There's less interest charged up front. It's more spread out over the loan. It's a daily interest calculation. Yeah, it's a daily interest calculation. Most finance loans now are based on simple interest loans. I would say you're absolutely right.