A
because the world has so many problems of that sort, so it's,
B
Yeah.
A
it's, uh, it's, uh, it's a really big problem I think, and, um, takes mature people to, to treat it, uh, so that it's, so that it's a real advantage to you, instead of a disadvantage.
B
Right. I think, um, the way the tax system was, they encouraged people to use credit cards, you know, with a big write off at the end of the year.
A
Yeah.
B
But now, it's like, it's punch money, because --