A
-- and then they, they just can't pay for it. Something, something happens, you know, and you hear so many stories listening to them. Like, uh, you know, they lost their job or, uh, they, they've signed for a friend. You know, they got it in their name but they --
B
Oh.
A
-- got it for a friend and then the friend --
B
Didn't pay them.
A
-- wouldn't pay them. and now they're stuck with the bill, and it's ruining their credit and --
B
Man.