Well, I've primarily been in mortgage servicing for about 20 years almost, but I'd worked two years at Citibank for customer service position in credit cards, and we basically had to review credit reports for, like, poor, like, payment habits and, like, late payments and things of that nature. So, there were a lot of people that called in very unhappy because we would cut their credit line down to the credit limit, and lots of unhappy campers. I was called every name in the book, and one in particular was just going off, and I just let them vent, put them on mute, and let them say everything they needed to say, called me every name in the book, and once they were calm, I was like, it wasn't anything against you. It was a business decision because of late payment patterns and things of that nature. It was a business decision that we had to cut down to the credit limit, and once I explained that to them, they understood and apologized for everything.