A
Uh-huh.
B
-- towards your tax --
A
Uh-huh.
B
-- deductions, and now they've messed that up to where it really is a financial burden to have to pay it.
A
Right.
B
And but it, but it is easy to get into a credit card problem, and I, I think about young people that think, you know, there's kind of that feeling of hey, it's so neat, I have my first credit card --