 And I don't want to confuse people. If you came in looking to finance a car, we're not going to talk you out of that. No. We will definitely give both options. We give both options to everybody. Well, listen, I would say I misspoke a minute ago that I said I feel like we're not doing a good job convincing 63% of the consumers because 20% of the consumers that we have literally just write a check and buy a car. And God bless you.