what, 20% down, 25%, take the it home and henst up to you to continue payments. come on, y'all, don't stiff these small businesses. [laughter] >> times have changed, and i think they can walk away with the product. i guess depending on the size. but buy now, pay later installments have been very successful in getting products out the door. one other thing i can also say very, very quickly, collect data from your customers because even if the holidays don't pan out out, you can continue to sell and market to them in january, february and march maybe to make up for some of those sales that didn't come during the holidays. all this uncertainty to you really want to prepare for. arthel: that's good stuff. and, by the way, if gene marks is suggesting to small businesses to sell gift cards, we want to say to those of you who would normally not like a gift card, it's okay get a gift card. it doesn't mean someone didn't think about you, they thought about small wiz and purchased -- the small business and purchased them to help them out. >> i don't know about you, i