In January, we had a lot of family problems and it was just a little mentally draining. So what we did was make arrangements, of course, handled the account as normal, but where I failed to keep a couple of arrangements that were logical for the customer, for example, if they could have barely made $350 of their car note payment and their income was only supporting around $500 every week or bi-weekly, whatever the case may have been, push for arrangements that were at least covering the car note payment, but not being realistic for the customer. But that's primarily something that, you know, could have been avoided with me discussing their financial hardships with their customers.