A
Uh, we do use them. Uh, we try not to, but, he, he's one who believes in credit cards, and he uses them quite a bit.
B
Uh-huh.
A
He likes using them and then just pay at the end of the month.
B
Oh, yeah, well --
A
He, he likes that,
B
-- that's, that's a good thing, because lot of people don't pay at the end of the month --