I’m going to share a little bit more about myself as I go. Personally I am in the middle of what I call a debt snowman. We all know how a snow man is built, biggest ball of debt on the bottom, in my situation it’s my mortgage, next ball is a car payment, then is a hospital bill from our newest child. I was not able to save enough money to pay cash at the time of delivery. I know I had 9 months to save we just pressed forward on a couple other loans and other items that...