Khabir

Yeah, yeah.

And then you like got to remove people.

Some cars, like Navy Federal, if you put somebody on there as an authorized user, they have to stay for the whole year.

Yeah, exactly.

So, I mean, it's just different strategies.

But, you know, again, those are like, that's another job within itself, you know.

Manufacture spending, learning how to move your utilization from one car to another.

That's something I used to do back in the day.

I used to go to Apple.

I would buy like four or five laptops.

And then return them.

And then I would do a split pay.

Don't get yourself indicted.

It's funny you said that.

So, but yeah, I'm going to leave that one alone.

But back in the day when I used to, right, I used to do that and manufacture spin.

So I was able to move money, right?

Right.

to different cards so I can bring down the utilization.

And this kind of is a great segue to kind of inform people about like these five factors of a FICO score, because I personally believe that if you have this information, you'll understand 75% of credit, right?