And then instantly, almost immediately, you start to destroy your credit before you even actually needed to do stuff like, you know, starting a business.

That's great.

But can I give you a little bit of a history about credit? So back in the 70s, when I started to do credit working at a bank, we did what is called ABCD client, you score the clients.

And In the 90s, then we started to back and kept the clients where we got, you know, we have a list of numbers we use to calculate how long you've lived at your home address, how long you've worked at your place of employment, and several factors.

And you back and kept the clients.

However, back at the bank and working at finance company, we can manipulate it if we like that person.

Because again, there's no numbers that you can basically have like the credit score now.

And if you don't handle it well, I think in the end, it affects whether you get funding or not, right?