Most people do not have earnings. That is a a dydynamic variable that is all over the place. What we do is say, ok, mike, what do you have in your checking account right now? And it's a way of making it, findit. It's the same way we look at a day and we sa, kate, this day, what do i need to get tonia? We can't look ten years out. All the other noise can kind of fall by the wayside. We're just going to fok, focus on a known number, money in your account.

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