Would you say that that's probably true for most folks?

Absolutely.

I mean, definitely we want to educate our members to make sure they have a backup plan and save money when they can.

But when those unforeseen things happen, it's hard to plan for them or sometimes they happen back to back, which is even scarier.

And we want to make sure that members know that we're here to help them.

You know, if you're having a financial problem, reach out to us.

Let's discuss.

Can you tell us a little bit about why somebody should not be afraid to answer a call from loan servicing?