A
Uh-huh.
B
Of course, we wouldn't have the retail market we have either so I guess they trade one for the other.
A
Yeah.
B
I disagree with it, but they still trade one for the other.
A
Huh.
B
Well, that's good. I'm, it sounds like you kind of got your head together in the credit department for, you sound pretty young, so.