B
W-, the thing that probably helps me most doing that is really, you know, uh, not so much discipline, I mean, well, I mean, you have sort of a discipline in general about finances, but, but I hate their, their rates so badly, I mean --
A
Oh, yeah.
B
-- their interest rates so badly --
A
Isn't it, that's unbelievable.
B
-- that I,
A
How, let me ask you this. How, how old are you?