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The next time the music mooooves you, try karaoke with cows.

Own -- own equipment and that kind of stuff. so they need -- they need their house to be able to be tap into that equity, et cetera, that's hurting their ability to get access to credit. i know that -- i'm working with a franchise association right now and one of the biggest challenges among franchisees is credit and ability to grow their business house sing a large part of that. >> we have just been saying problems with credit for so many years now that i look forward to the day when we don't have that conversation. i want to stay with you for one more second, chad about this idea of the prob...