B
so af-, after that I decided, well, I'm not going to use them at all, and just try to pay cash for everything and that worked for a while and then we got married so we decided to, you know, if we used them we would pay them off as we go.
A
Right.
B
So,
A
Right. That can be very handy under those kind of circumstances. The other thing about them is too, if you really don't, you really need to get some and use them because if you have never used them and developed, and haven't developed a credit thing. It stops you from doing a lot of things. If you,
B
Right.
A
if you pay for everything by cash, uh, there is a lot of things that a lot of people who will not give you credit when you need something like a house or,