 Chico, I think we should distinguish good debt from bad debt. Okay. Yeah, agree. Korea's seven. Also, what is your feelings on inflation being understated? It's extremely understated. Inflation is way higher than two to three percent that they're stating. Gaylord, how are you doing? Good debt and bad debt. Good debt? See, there's a couple of ways we have to distinguish this curious. There's certain type of debt that you can accumulate that if you can't pay it back or declare bankruptcy is wiped clean. There's certain debt that you can't do that with. However, that's certain debt that you can't do that with. Education is part of that. So spending money to get an education is a good idea, but that debt, depending if you got it from the government, is never wiped out. So if you're not able to pay that pretty rapidly, you're into debt servitude. So spending money on it is good. Getting an education is good, but the type of debt you're accumulating is brutal. And that law came into effect in the United States in 2005. We'll look into it. That was before the 2007-2008 financial collapse. However, everyone in the background that was looking at the news coming so they passed laws to prevent people from going bankrupt. They made bankruptcy more difficult. There's money you can spend buying yachts, going to bars, going on trips up the yin and yang, buying jet planes, buying fast cars and crashing them. That's wasted money. You could go into debt for that. What a waste of money. However, you can declare bankruptcy the debt free. So again, that's what a waste of money, but then it's easy money. You can write it off. The good debt, bad debt is becoming trickier to navigate.