There's also the value of your time, ray, where margins on cards are pretty close. If you spend 20 hours to save 200 dollars, like, you've got to put some i asked. And one of the reasons e struggle is people like buying things on sale. You know, the everyday low price works for walmar when you're ubiquitous but in reality, sales still work. Using holiday periods to drive an event that makes you feel like you're geting a better deal on a lease, or whatever the purchase is, that that works for consumers.

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