It's a good luck trying to solve all these problems.

No, I'm very excited because not for to hear about all the problems, but I am excited to hear about all the problems because that's what makes us better.

And that's one of the things that Sam was talking about is, you know, we know, especially these last couple of years.

with State Department Federal Credit Union, we've really been concentrating, investing, reaching out to Americans that reside all around the world, asking them, hey, you know, what are the issues that you've faced? How can we help support you? We have all these products and services.

Are they sufficient? You know, where might we, you know, not be meeting the mark as far as, you know, you need some other type of product or service or assistance? And we've gotten a lot of feedback.

And that's where through that feedback, we actually, as Sam mentioned, we met up with Rebecca and other people with Democrats abroad that were like, hey, you know, our focus You know, yes, Democrats Abroad is, you know, focuses on political things too, but our focus is helping Americans all around the world.

And that's the main part that we're like, hey, that's exactly what we're looking at.

So I'm curious to know, are there things that you would offer me that, you know, I'm finding banking not too big a challenge? What benefits might there be to someone like me in what you're offering?

So what would be the appropriate way? Can you talk a little bit about what would be the appropriate way of doing that in addition to the phrasing of the credit?

I think it's important to do a realistic picture of what all you have open.

Of course, you can pull a credit report, lots of utilized free credit reporting.

A lot of financial institutions have that as a free option.

You can go in there and pull your credit and you can see, oh, here's everything that's going on.

You also have the ability to pull free credit reports from the bureaus directly.

Some of them have some limits on there.

And also wanted to just ask you, what makes the credit union different from a traditional bank in the context of living and working overseas?

But I'm going to let Josh put his two cents on this one, too.

I think it's very important to start young.

I still remember when I was little, I don't know how old I was when my parents opened my first bank account for me, but I remember going to the bank and being so excited.

I had my passbook, if anybody remembers those, that had my balance in there.

And I was so excited to go get my dollar, my $2.

And it wasn't just going to the bank.

Okay, I'm not going to lie.

And thank you for your support.