Do you see some of that coming in, and is it maybe unique just as far as talking with the customer base that maybe going to you is their first financing experience?

Some- I would say a lot of times it's the first.

Um, a- and it's, you know, the people that got a car when they were younger with their grandparents or parents, they understand, but we also have to kind of, like, train, you know, not, not train them, but educate them on how our industry, the, the rates are, are higher than the automobile industry, and explain to them why.

And explain to them, you know, the, the process in detail.

You can do the application, we're gonna send it to the lender, and then, you know, we'll talk to you about the payments and ...

And, and, and then set their expectation of a rate.

Um, because, you know, if they, if they cosign with their grandparents or, or mom on a car and their rate is, let's say, 5 to 8%, and then with us, you know, they're, they're a first time buyer, the rate may be, you know, 10 to 15%.

And really to start, you know, what are maybe some of the biggest challenges that dealers are facing right now during the selling season, or really even just over the course of this year?