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,
B
That's true, yeah.
A
a car. So, so they, they have become a very vital part of our, of our monetary system,
B
Uh-huh.