 Okay, so we're looking at managing the home as husband and wife, as a family, so any questions, anything that you feel, oh, I don't agree with that, why don't we do it this way, any questions, any suggestions, anything of that sort, you're welcome to share or if you're any hacks, okay, this is what we try at home and this is working really well. Okay, if things are quiet, that means that you are 100% right there, we are in agreement, we are in sync, and we are doing extremely well, correct? Okay, that is so you can put a thumbs up, so I know, okay, thumbs up is also not there, so that means something is really off. Okay, if you have questions, you can always post that, right? And if there are anything, like what happens is, we're talking about a lot of things here that might challenge our thinking, our way of doing things, and well, marriage does that to a large extent, this is how we are used to doing things and then here comes a change, right? And this is how I'm used to living, this is how I make my choices, but now, I need to, thanks, so I need to change, so marriage does that, right? So that's at one level. The other thing is that well, coming from the background, all of us are from different parts of the world, and different parts of the country, and we speak different languages, this multi-ethnic, multicultural kind of a class, right? So you might have a different idea, or this is how we do things here, right? This is how we do things in, you know, where I live, in our country, in our city, you know, this is how we do things. So you would have that also, right? And so when we look at scripture, and when we look at certain practical things, and these practical things also, you know, in line with the spirit of what is shared in the word, right? If you look at, you know, if you're saying, okay, both husband and wife share the Lord and work as a team, well, that it's in line with the spirit of what, you know, what is there in scripture, right? Dwelling with understanding, right? And the spirit of what scripture talks about how we are co-heirs, how, you know, we are co-heirs in Christ, right? So we are equal. So it's in the spirit of that, right? Or whatever we are looking at, even the practical aspects, okay? So if there's anything that challenges you, and I mean, that's good. And that challenges your thinking, challenges, you know, this status quo of, this is how it is done here. It is good, right? But if there's anything that you feel, okay, you know, this is how it's done, and it works well, and it's not really, you know, it's not really the unbiblical, and you want to share that, you want to talk about that, you're most welcome, right? So that is what I meant. If you want to share, you could do that as well. Okay, let's move on to another big one when it comes to, you know, something that if there's an agreement in this, you know, things can go really well. If there's a disagreement, or if there are, you know, conflicts arising out of, this is a potential conflict, conflict breeding ground, right? And it's in the area of money. Okay, when it comes to money, when it comes to spending, is there an agreement? You know, like, when it comes to money, you know, there are certain homes in which, you know, probably you are, you know, certain families in which you were raised, and maybe money was discussed, talked about. But I just wanted to share that in our home, you know, when I grew up, there was not much talk about money. You know, there was not much discussion about how it should be spent, etc. Well, the talk was always about, okay, we didn't have enough. Okay, and we have to be careful about our spending. And we can't spend like that person or that neighbor or that, you know, person who's well off. And we kids were told that, you know, you can't just expect to get new things always. And, you know, things like that. So that was all, right? But it was all, it was in a positive way, like, hey, how can we do this? What can we, what are some, here are some ideas to, you know, to save, to invest. Here are some things that we can do to maybe, you know, use money in a better way. So we didn't have those conversations. Like, we didn't have those exchange of ideas. So I grew up, you know, without any discussion on money. Okay, so if we are, you know, if you come from that kind of a background, and we may not be really open to talking about money in a family setting, you know, either with a spouse or with, you know, kids. And, you know, it's like, okay, in our house, when we grew, when I grew up, my father took care of all the spending, all the expenditure and everything. He, I don't think there was a major discussion, definitely not with the kids. So he would take care of that, you know, he handled the money. Okay, so let's say there could be another home in which the mother would handle the money. And I think for my, for my wife's, in my wife's family, that was how it was. Okay, so here we are putting two people together where, you know, I come from a background where the father handled the money. And she comes from a background where the mother had handled the money. And so she has learned that those things, you know, we have learned those things, right. And it's a lesson that we learned we just picked up. This is how it was. This is how decisions are made financial decisions. And okay, so I carry that out. Without my knowing, I bring that into my marriage as well. Right. Don't ask me any questions, or I'm not open to discussing things. Okay, this is how it is. Right. And she might, my wife might also have the same kind of an understanding. So just imagine if we put two people together in the same home, under the same roof, and this is the very different background or idea they have about handling money, about talking about money, and so on. Right. So it becomes difficult. It becomes challenging. Right. So since we all need money for day to day things, and it is a potential area for conflict, we need to have an understanding of it. Right. So, you know, differences could be our values and ideas about money based on how we were raised, like I said, you know, how I was raised. But the lifestyle that we could have, some of these basic things that we might have, some of the things that you're aspiring to have, material things, you know. So that could also have a bearing on our financial decisions. Right. Okay. I esteem this, you know, this kind of a lifestyle. Oh, I need that. That could also, you know, influence our ideas about money. The third thing is, you know, what we actually saw our family do with money, and also our personal work with our, that also influences our financial decisions. Okay. So each of us, I mean, as husband and wife, the husband and the wife need to understand each other in this area. So well, we know certain things that money can do. Okay. Money is required for day to day running of the house. Okay. Money is required for finances are required for, you know, if you're thinking of ministry, finances are required. So I'm sure you'll, you've learned, or you'll be learning more about, you've learned, I guess, about, you know, financial management and so on. And money and, you know, in ministry. So when it comes to this, you know, the strange thing is, is that money can actually affect a person's sense of security. Okay. Or it could affect their sense of identity. If it is in, you know, the, if their identity, if they're leaning heavily on money, when it comes to material positions and everything. So it could actually create a sense of insecurity, if there's not enough to go around. Okay. Secondly, money also could be an expression of trust. Right. Or sharing financials about information with one another is an expression, could be an expression of trust. In the sense, if you're not sharing about how much money you're making, how much salary you're getting, where you're spending that money. Well, as a spouse, I could, you know, I could view at it, if you're very closed about, very secretive, right, about those kind of, that kind of information, then, you know, it may not really help in growing in mutual trust. Maybe it would be a simple thing for you. Maybe you're just saying that I'm not used to talking about it. I feel uncomfortable talking about it. But for the other person, it could be, it doesn't want to, you know, he doesn't share that information. We don't want to talk about how they're spending, what they're spending on. So how can I trust that person? Right. So that is the second thing. And also, money could also provide a sense of independence. Like you're earning, you're spending, you're earning, you're saving, you're, so it, you know, it gives a sense of independence. Okay, I can, I can do this. I can maybe go there. So it gives a sense of independence. And also, you know, having money to help someone also provides a sense of joy and contentment, you know, and you're generous when you're helping someone, you're providing maybe someone's education, you know, you're giving that money towards and helping them get over a maybe a difficult time financially, you know, helping them. So you're filled with joy, a sense of joy, and there's a sense of contentment, knowing that you help someone with the finances from your finances. Right. So the money, you know, does these things. Okay. So let's look at, you know, there's this simple exercise. I'm not sure if we have it in our PowerPoint. Let me just check. Well, we have it in your notes, and we don't have it on the PowerPoint. But, you know, if you have the notes, you can look into that some important questions here. Right. Let's, let's address those, you know, descriptions, some questions, questions like, okay, have I been typing or statements like this? You know, I have been typing into church regularly and continue to do so. Okay. So the husband and the wife need to, or even before they become husband, they need to talk about this. And they need to understand each other, where each other, you know, where each person stands financially, or what is the understanding of money. Okay. Now that's an eye opener about that person. Right. Well, certain things may not be great, you know, without the understanding of money or how they handle money. But still, you know, it gives an understanding it's a window into how they process that information, how, what are, what are those things that they hold dearly? So, okay, I have been typing into church regularly and I'll continue to do so. Well, is it yes? No. Do they agree? Disagree. Okay. I have been giving more than my type into God's kingdom regularly. Same thing. You know, same parameters we can use. I strongly agree, strongly disagree. I'm not sure about that. Right. Maybe some one person, maybe somebody does not even have an idea of giving or giving God's work and work of extension of God's kingdom and typing and all that. And the other person is very strong in that then we have potential difference. Right. Okay. So I really enjoy being generous and giving to others in financial need. To me, having a lot of money is a sign of success. To me, my social status is determined by the things I own, vehicle, property, appliances, things I own serve only a functional purpose and do not influence my status. I prefer branded products for clothes, footwear and personal items. It is important that I have a lifestyle similar or better than what I grew up with You know, these could be things that you can actually put a score, right, for these statements. And then you get an understanding of where the person stands regarding money. Having substantial savings is very important to me. I prefer saving money than making purchases of luxury items. I'm comfortable sharing all my financial information with my spouse. I prefer having separate bank accounts than putting all my money into a joint account. I'd like to see our finances and things we purchase as ours rather than yours and mine. So these are different statements, which talk about money, financial decisions, you know, financial perspectives, etc. Okay. So in line with that, what is one's understanding of tithing and giving it to God's kingdom? Okay. Problems three versus nine and 10. Honour the Lord with your possessions and with the first fruits of all your increase. So your barns will be filled with plenty and your vat will overflow with new wine. Okay. So very clear. And Marachi talks about tithing. When we go into the New Testament, the Lord Jesus very clearly said, you know, these you ought to have done without leaving the others undone. And with that, you know, in the context which you read, you see that tithing is mentioned there. So we see that tithing is a principle that the Lord has put down in Scripture and, you know, something that we do prayerfully, something that we do out of our love for God, you know, in our relationship with God, it comes from the place of intimacy with God, our friendship with God, right? So, you know, we don't see it as a show. We don't see it as something that we do, you know, God out of fear or out of guilt. No, it comes from our place of friendship, right? And we give for the purposes of God, and we give into the work of God's kingdom, right? What is because, you know, kingdom work is close to our mission's work is close to God's heart, right? So John 316 very clearly talks about that. So in order to help that, in order to aid that, and as an act of obedience, we give, right? Okay. So the other thing that one can, whether we can talk about when it comes to money is, when it comes to having a budget. Okay. Having a budget. So, you know, we know that there are expenses involved day to day, monthly expenses, daily expenses, maybe annual expenses. So it helps if there is budget, if we can put down, write down, what are those expenses that are there and have a budget for that? Okay. This is how much goes towards our rent or this is how much goes towards our accommodation, right? It could be repayment of a loan, maybe an installment that is being paid, or it could be rental amount, whatever it is, right? So this is how much we pay for our accommodation. This is how much we, you know, these are all the expenses like housing, there's maybe education, maybe transportation, communication, food, leisure, and there could be, you know, maybe debts to be cleared, previous debts to be cleared, clothing, etc. Okay. So these are things that separate different heads. I mean, before that, looking at the income and we're looking at the tight, you know, and maybe there are some tax, which is deducted from the monthly income. So from the net spendable income, okay, or what is called as NSI net spendable income, we have all these other heads or other categories for which, you know, we, money goes into, right? So it is good to have a budget. It is good to have an understanding, okay, this much is what is required for us as a family, okay, to operate as a family. This is what is required. So I remember, you know, initial days of our marriage, we used to, you know, have these envelopes and envelopes, okay, so you make each one was titled differently, you know, housing, I mean, rent, and other expenses like electricity and milk and, you know, grocery, and whatever or not, you know, you have all those. So we used to, I just, so everything was well, the salary amount was less and was, was it paid in cash? No, we had to withdraw the amount, of course, from the 18. So there's not much e-transfer happening, electronic transfer, or even payment of bills. One had to stand in line and, you know, pay those bills, electricity bills and, you know, all those things. So it was easier if you had cash on hand, right? So you withdraw and put it on all these envelopes and, well, basically that was our budget, like simple, and we used to do it. So something like that, where you know that, okay, these are the heads under which money is needed, for which money is needed. So therefore, monthly it goes into this and, you know, if we're going to touch any of that, then it's going to affect our regular functioning. And we will, you know, the thing is to keep or eradicate debt completely. There could be some amount of debt, manageable debt, let's say in terms of maybe a vehicle loan, maybe a housing loan, or maybe, you know, even a credit card purchase and credit cards, because you bought something online, maybe some tickets online, something, travel related. So these could be, you know, debts, so for which you need to pay as soon as you get your income, right? And these debts, if not managed, well, they could, you know, they could actually mount up, they could keep increasing. There will be interest that is there on the debt and you miss out a payment, there is, there are some fines that are added onto that, right? So it could become, it could very quickly become unmanageable, right? So one has to be careful in to paying attention to well, reducing or completely doing away with debt. Okay. So, so the thing is this, the people say that, experts say that these big categories like housing, food, transportation, communication, okay, if all that put together, it should form about 70% of our net spendable income. The housing, the food, we're talking about housing accommodation, right? The food, maybe transportation, you know, all put together, maybe you can include communication also, which has become a very important part, right? Communication meaning, you know, your bills, telephone bills, maybe internet connectivity, all that. If it goes beyond 70% of our income, then if it exceeds 70%, then there's a problem, okay? It's going to affect how we would live. So, so the thing is this, to be careful to keep it within that amount, okay? So this is what, after much study and all that, the experts actually talk about that. So, well, you might say, okay, you know, before with that, but this is by and large. It's just a guideline, okay? So the thing is this, that with surplus, you know, if there is a surplus, then you could go in for some kind of a saving, okay? Where you're investing, you're saving, and it could be, you know, you could have some short-term goals for which you are saving up, right? Or some long-term financial goals, okay? So now, as a husband, I might have some short-term goals, I'm saving up to buy certain things, maybe for the family, maybe personally, maybe for the other person, maybe there are some long-time goals, long-term goals, sorry. And my spouse would also have that. So it's good to sit together and understand, okay, what are our goals? You know, what is it that we as a family, you know, or as individuals, you know, what is it that we can think of, you know, what could be our short-term goals? So there's a lot of, you know, a lot of good can come out of it, right? There's a lot of synergies, there's a lot of thought, a lot of, you know, there's good ideas might will come out of that and say, okay, you know, we could do that, let's do this as a family. So one of the things that, you know, we could do is have it, you know, individually and also collectively, okay? This is what, you know, that we can do this, this is our common financial goals. We could have the short-term goals, we could have these long-term goals and let's work towards that. Okay, maybe we want to buy something, maybe buying a house, maybe buying a piece of land, property, you know, let's plan towards that, right? Or maybe, you know, you're thinking, okay, we're not going to do that. You know, as a family, we're not going to do that at all. That's perfectly fine. You know, there are, I know of, you know, even recently got to know of a person who, who passed away, right? He was in the 70s and so at the funeral, like somebody was mentioning that he never owned a home because he, he didn't see that as something that he needed, you know, he never owned, he just stayed in a rented place and that is, that is what it was for him. He didn't want to and that is fine. That was his choice, that was his decision, right? So things like that, as, as families, as husband and wife, if you sit and talk about it and maybe one person might disagree, okay, and you can ask the reasons, why is it, why is it? And there could be some very valid reasons, right? Maybe this is why we should not at this point in time, in this season, or maybe in the next six months or next one year, let's not think about that. Let's think about it beyond that time because there are other things. Maybe we should think about education. Maybe we should think about children's education. Maybe we should think about all that. Maybe there are some medical expenses, you know, maybe there are like immediate family that we could look at and help and then so on. So it's, it's good to talk about it. It's good to plan that, right? And the other thing, when it comes to again managing the home finances is also about saving and investing, okay? What are some means? What are some methods of saving investing? It's good to get an expert's opinion in this, right? There could be different ways, different means by which we can do it and which may not, we may not have thought of, you know, maybe we just thinking about putting it in the bank and getting interest out of it. But, you know, there are several different tools, right? Maybe there's a, I don't know if insurance would qualify as saving, but, you know, there are different other things as well, like mutual funds and so on. So maybe an expert can give information and guidance on that. Someone who can trust, whom you can trust, who will not, you know, lead you astray in these things, reliable, trustworthy person who can, who's in that field, who can probably guide and say, okay, this is something that you can invest in monthly and at the end of let's say five years or ten years, you know, this will be your yield and it'll be helpful at the end of ten years when certain things need to be made, you know, like maybe paying for a college admission for the children or whatever, you know, it could come in handy. So it's good to consider the opinion of those experts and then, you know, think about it. And all this, you know, all this, we're also involving, you know, we're opening our hearts to God's leading, right? So we're not saying that closing that, we're opening our heart to God's leading and saying, God, you know, what is it that you want us to do as a family? What is it that you want me to do as individuals? So that's very, very important. Okay, okay, then the other thing is also caring for our parents in-laws, extended family, very important. So the Bible does say that there is a certain kind of a leaving that happens when we get married. There is a shifting and changing of priorities where our, you know, our spouse and kids, the immediate family, you know, that's the priority. But at the same time, the Bible also talks about how we ought to honor our parents, as part of honoring is also providing, right? When they're at, when they're in a season and they cannot provide for themselves, right? Maybe they are retired and maybe there's no steady source of income. Okay, maybe there is no, nothing like a pension or, you know, there's no steady source of sort of income. So, you know, to provide for their needs, for their living, to provide for their needs, well, that would be part of honoring them, taking care of their needs, making sure that they live a life of dignity. It's something that as children we can look into and, you know, we have the desire, but unless we, we plan, you know, we cannot take care, right? Well, scripture talks about how, you know, we need to honor and also some very difficult words and our, you know, harsh words for those who do not do that, right? Proverbs 19 and verse 26 says, he who mistreats his father and chases away his mother is a son who causes shame and brings reproach. Proverbs 20-20, whoever curses his father or his mother, his lamp will be put out in deep darkness. So, there are, you know, strong words that God's word has for those who do not take care, right? Ephesians 6 verse 2 and 3, honor your father and mother is the first commandment that has a promise attached to it, you know, namely, so you will live well and have a long life. So, there is a fruit or consequence that we can enjoy as part of honoring our parents as well, right? So, this is another important aspect of it when we, when we consider finances to allocate, maybe, and also to talk to one another, to talk to, you know, as a spouse, spouse to be, husband to be, wife to be, we, you know, as part of our marriage preparation thing, there is a discussion on this as well to see, you know, you know, how do we do this, how do we handle this? Sometimes these are, you know, these are not very, you know, these are not very comfortable topics, right? And also, you know, traditionally, you might say, okay, you know, that person will take care, or the wife's brother will take care. Well, it may be so, but, you know, what about your part in it? Is there a part to it? Is there something that you need to do? So, you know, talk about it. Is there a desire that you have? How your spouse has? So, what will happen is, you know, all the fears of, let's say, you know, if my wife has a fear of her mother, who's now, who's single, right? Father is no more. So, if she has any fear of her mother's needs not being taken care of, or she will, if the financial needs, what's that, what else, you know, if she has any fears, then those fears will be put to rest. Like, when we talk about it and say, you know, let's do this, let's take care of her in this way, right? And maybe, you know, maybe the wife is earning, and maybe the wife is not earning, the husband is earning, and then if, you know, if you come to some kind of an arrangement saying, okay, let's do this. So, then all those fears are put to rest. There's no anxiety in that area. And the marriage is stronger, right? And the marriage becomes stronger. And knowing that the wife knows that the husband truly cares for the wife's parents, right? And the wife's side of the family. So, this is another expression of love and care for your spouse. And then the marriage just thrives, where you know that, okay? There's no insecurity in that area, there's no fear in that area, there's no anxiety there, right? Okay. So, caring for the elderly, caring for those who are widowed, caring for often in our own family. So, we do this, we are supporting one another, doing this wholeheartedly, not grudgingly, not, you know, complaining, oh, you're always doing this. Because, you know, we've heard conversations, right? Saying that your side of the family, you know, you do it, but then you neglect my side of the family. It's a constant thing that could happen, right? For your parents, we did this. But what about my parents? How can you do this for, you know, so that, that need not happen if there's an open discussion about this, right? And then if there is a, where you decide, okay, we're going to take care of each other's parents. We will do our best to take care of them. And then, you know, it can really change the whole atmosphere in the home, right? Now, I just want to say that, well, in-laws, need not always be, always be nice, okay? We're not assuming that, okay, they're going to be nice, they're going to be understanding, they're going to be appreciative, you know, they, of all the efforts, we're not, no, we're not, we're not really saying that, you know, irrespective of that, you know, despite everything, you know, as people who follow the Lord Jesus, as people who worship the Lord Jesus, who, as people who worship the one who creates families and designs families and places in families, to be able to say, to be able to come to a decision that we will, the one, that's the instruction we read again, not reviling for reviling and not returning evil for evil, you know. So, the situation may not be always perfect, you know, our relationship within laws, right? Big, for whatever reason, you know, praise God for, you know, for families and people who are well-adjusted, honoring one another, right? And we just want that for all our, you know, for all our homes. But we know, we do know that there could be challenges in that area, you know, people being people, like, you hear of some very, very difficult challenges, some very difficult situations, right? Where the father-in-law is not understanding at all, absolutely no, you know, it's just on a different level altogether. But, you know, to honor, despite that, to take care of, you know, their needs despite all that, it takes the grace of God, it takes the grace of God and takes obedience. Say, God, you know, we will do this regardless. Also, it doesn't mean that people can, you know, use you as a doormat, right? We're not saying that. Well, if they need to be confronted with the truth or, you know, there needs to be a loving confrontation, right? Loving and firm, respectful, honorable confrontation where you can say, you know, we've done this and, you know, this is what we can do. We cannot go beyond this, beyond our means. So, it's good to, you know, to consider all that, okay? We are talking about this and in preparation for marriage, we're talking about this, about how in the marriage, you know, what we need to be, how we need to be. But the thing is, again, I just wanted to say that it's not because we are, everything is perfect, the situation is perfect, people are perfect, no. It is despite that, right? Knowing there are shortcomings, knowing that people will be people, you know, with their limitations and failings, okay? So, having said that also, you know, when it comes to marriage, maybe for some of us who are preparing for marriage, you know, especially in a place like India, you know, there's a lot of things that go into a wedding, you know, and a lot of expenses that go into a wedding and people are not willing to really compromise on that. You know, that's another thing. Why, you know, why not compromise on that? Because it could be because of what will they say? It could be just social or societal pressure, right? We need to have, we need to be spending like this or we need to invite so many people. They invited us so we need to invite them, those kinds of reasonings. So, it turns out to be a very expensive affair and sometimes, you know, people go into debt, right? There are all these other things of, you know, this dowry and all that expectations, you know, from the family members and in-laws and all that. And then, suddenly, you find that a family is in deep in debt because of the wedding, okay? Or it could be just the people who want to get married and they want to get married in this, now with, you know, social media and everything, you see the destination wedding, you know, maybe they want to get married by the, in a forest, you know, in a forest clearing and away from all the city and maybe by the beach, by the shore, you know, by the mountain, that's great. You know, if you can afford it, that's great. But if you're going to borrow, if you're going to get into debt as a result of it, then again, you know, your initial years of marriage, you're going to be filled with pressure, you know, because you need to pay off that debt. Or if someone else in your family is taking that debt, you know, because of the wedding, then it again becomes a, it becomes a burden, okay? So I know of a couple who were in ministry and well, when for their wedding, they had a, they had high T, okay? So they had the wedding service and then the after church, after the service, it was, it was not a major dinner or anything, but it was a, it was early wedding and they finished with some tea and snacks. Of course, it was elaborate snacks and definitely not as expensive as it would be, you know, a meal, expenses that go into a big dinner or anything. So, so things like that, you know, where you need, where you're saying, okay, this is how much I can stretch. This is what we can do. You're trusting God for it. It's not like, you know, we're not trusting God for finances. Yes, you're trusting God for it, but don't, you know, we're not going to make the mistake of getting into debt, getting into something just to keep up with appearances, right? Hey, this is how I see on media and this is how it has to be. Oh, this is how the neighbor did it. This is how it has to be. This is how people are getting, this is how, so we can actually, you know, you don't have to get into that. You don't have to be pressurized by all that. Okay. So, so that's the whole thing, you know, when it comes to managing the home, we're talking about schedules, we're talking about responsibilities, we're talking about money, budgets, we're talking about financial goals, saving, investing, right, we're talking about all that. And these are good things. And if done the right way, and we're also talking about caring for parents, caring for in-laws, caring for elderly folks, those who are widowed, those who are often in our own family. So we are, you know, it's, it's something, it's something wonderful, if done well, if done in the right way. And, and we see it's, you know, it's a responsibility as well. Okay. So when we look at, and all the things that we are looking at, when we, when we consider, when you're studying about marriage, you see that there are certain responsibilities, we see that it's a, it's a privilege. It's an enjoyable thing, companionship and everything. But it also comes with responsibility. And therefore, you know, the whole thing of, are people ready for the responsibility? Right? Am I mature enough to handle that? Or am I just rushing into it? Because if you rush into it, then you get crushed by the overwhelming responsibilities, right? But if you are prepared, and if you're mature, and if you're saying, okay, I need time, I need to learn, in order to get into this, then it's, then it's good. Okay. So we'll stop here for today. Any questions? I know people have been very quiet. So any questions? And if there are things that are done differently in different cultures? I would love to hear. So any questions at all? Okay, just one more thing, you know, maybe, so we've been looking at all these things, and maybe in your life, you know, you, maybe you made mistakes, you know, you're a married person, and you're saying, Hey, I wish I knew this, right? I wish I had done that. Or, you know, maybe you are in that place of debt, maybe, maybe there are a lot of things that are not in place. So now is the time to really, you know, set things right, okay, not to be consumed by guilt or, you know, condemning oneself and saying things can never change. No, things will always change. When we know the truth, when we come to the truth, the truth will set us free. The truth will empower us. And the Holy Spirit will lead us into all, all truths. Like the Lord said, the Holy Spirit has come to lead us into all truth and he will lead us into all truth with the intention of, you know, having the truth set us free and allowing the truth to bring us to a place of strength. So, and transformation. So that will happen. So, so we don't need to wallow in self-pity or regret. We can come to a place of strength, having known the truth, and then putting these things into practice in our lives. Okay, so we'll stop here. We'll end the class right here. Let me just stop the recording. Okay.