 It's all rest on the lifestyle of a person from a psychological point of view. It's all means you need to... I usually use the methodology of cutting costs from a business point of view. As compared to no, we can give you a consolidation loan. We can borrow you. I don't believe in that. I believe in a human being changing the lifestyle that is current now. Prune cut waste. Don't borrow and keep on borrowing. Just tighten the belt. My song is tighten as I said like now. I don't say don't buy ice cream. You know, I'm saying you used to buy 500g ice cream. Buy 250g star.