Secret Home Refinance - Til Debt Do Us Part - Small House, Big Debt

[@t.j.manzke7651]

I’ve never seen such a helpful car salesman. I made the mistake of saying I was paying cash upfront and the sticker price magically went up 4grand. Gotta love those people.

[@bovnycccoperalover3579]

Remember, the camera was on!😂😂

[@nathaliedasilva555]

Gail's hearty laugh is the best!

[@thekibbler]

Anybody else laugh when she said "I only wear designer clothes" and then pulled the most basic boring clothes off the rack? 😂

[@denisebarker9288]

Good one Gail. I know everyone would like to see these even if they are reruns. I watch every day to keep myself in check.

[@blaakcoffee]

Me too!!

[@samanthafreeman4315]

Almost an opposite for me, i do alot of saving money so its like, "oh im not that bad. I can afford such and such, without issue"

[@TFlowers]

Yes!!!

[@bovnycccoperalover3579]

Yes, it really help.

[@jenniferbraun7269]

How do you stop at one? I can't.

[@fivee6248]

So....let me get this straight....bought a massive sofa and yet the ceiling is falling in and they have no bathroom door....priorities!

[@uxvocabclub]

i love Gail. She's a real life superhero ❤❤❤

[@myyt3824]

I love that she liked shopping at the thrift store. Dressing your kids from goodwill and thrift stores is the best way to go since they grow like weeds and they wear things for so little time.

[@brendasuelong-bryant3855]

I get clothes/shoes at good will with brand new tags on them. IE: 2 pair of Levi's tall for $12 each.

[@cjhoward409]

I shopped at Once Upon a child all the time when my kids were young. And any good clothes, I would sell back to them. It was such a money saver !

[@siddaye]

It ain't like that anymore thrift stores be charging the same as regular if not more than regular retail stores

[@jackiemason3607]

yup everything clothes wise for my one year old is thrifted or gifted besides shoes i buy new since he is a new walker its soo fun i find such unique peices for my boy lol

[@legzfalloffgirl5148]

Some consignment stores are expensive which kind of defeats the purpose. Salvation army's are still pretty good tho

[@mardcon2002]

Keep posting more Gail. We love Gail.

[@CaraMarie13]

I really hope they addressed the disrespect that was in the relationship. Like this woman had and felt entitled to have the majority of the power in the relationship. And the fact that she constantly brought it back to him by saying he wouldn't speak up when it seems she created the environment that led to him staying silent.

[@thefrugalista9143]

I love Gail’s tough love!

[@jeanc819]

Same here, because it's genuine!

[@oliviafox6745]

After working in retail and seeing what folks do when they try on new clothes, I realized goodwill is just as good as Kohl's. Just wash everything when you get it home....

[@keylacmckemp1309]

I was shocked she was trying items on

[@susananderson7473]

It would be phenomenal to have budging classes for teens. In school we were taught how to write checks. Nothing about saving, investing.... Most people in my generation weren't taught. So it makes sense so many adults get into financial trouble.

[@squizzerl1478]

Hmm, let's guess why? Why would they not want people to understand finance and money management? Why on earth would a country want to keep their people ignorant when it comes to their money? Why would financial, educational, governmental institutions not want people to understand debt and credit?? Hmmm....

[@lindseyhavniear4548]

@@squizzerl1478 Finally a smart comment!

[@Youre-Welcome]

Is was required in high school when I was a kid...but it's not the state's responsibility to parent.

[@caterinaramirez8864]

I learned all about calculating mortgage rates and compounding interest in high school and guests speakers would run a budgeting workshop every year, plus there were optional courses in high school on business that would cover all that and more 🤷‍♀️ A lot of people don’t care or learn the lesson until it’s too late and I don’t think that has to do with school

[@freefree1664]

@@caterinaramirez8864 I think that as math is taught in school anyway, it would be sensible to teach young people 'life math' that is actually useful and beneficial for everyday life - including budgeting, saving, investing, taxes, & small business etc. I feel these would have been more useful for me to have learned at school than algebra for example (have never in my life needed to use it in corporate/office career). Life math could be a priority part of a basic math curriculum in high school as it is needed in future by all students. (Intermediate & advanced classes would of course teach the algebra etc for those who would need it in potential careers they would then go to college for). But it could be a year long project for a class: at start of the year picking a job title & salary out of a hat that is theirs for the year. Use pretend cash & bank accounts, credit cards. Make a game of it, making pretend wages, budgets, purchases, savings etc. Once a month they pick out of the hat an 'event' like buying a car, house, an appliance going bust & needing replacement... & by the end of the year would have a taste for how it all works in a fun & useful way. It would prepare them for college in a way that they could think twice about the credit card offered or which student loans to get or should they work a few more hours. Maybe I should invent that game for teachers!

[@SheikahSoulFamily]

I don't know what people have against thrift shops. I LOVE them! You can find the best stuff there. My favorite place for jeans. Also, Gail's laugh is everything!

[@JehanineMelmoth]

I’ve just bought a couple of Gail’s books. It put me over budget. :) I think it’ll be worth it in the long run though!

[@septembersapphire347]

Wow, just stumbled upon this channel, I'm drowning in debt myself, I subscribed and gave a like, I need all the financial help I can get!

[@carolbabb7875]

Save your jars!!

[@darabowen8077]

Love your name! How awesome!

[@sandysmith71]

Cut your cards today !

[@MidnightDawn]

I'd say first things first, actually write out a budget. Then figure out how much of your debt you are able to pay each month while still having money for necessities (food, etc. do try to cut back as much as possible obviously) then budget your money to pay your debts, pay the ones with higher interest first and try your best to pay ABOVE the minimum payments. I'm not an expert but this is kinda what I've picked up from binge-watching this and taking a few financial classes Best of luck! :)

[@sandysmith71]

@@septembersapphire347 great start by admitting it . Good luck !

[@colettebates6482]

Sorry, not having a bathroom door lost me!!

[@void________]

That couch is ridiculously silly. It takes up the entire room. 3:22

[@lorenzovonmatterhorn7402]

900 a month on clothes and donates them but their roof is about to fall down, no door to their bathroom and their kitchen is a mess... all of those things can be changed with the money in 3-4 months... he deserves better.

[@jaxemay7027]

900 a MONTH on clothes to DONATE? I want to shop where she donates!

[@bettygrable6440]

That’s $300 😊more than their mortgage! 5:50

[@SCIENCEOF2012]

Around the time this was made I lived on $333/month disability. Today Im living on $1250 social security minus taxes because I make enough to pay taxes now (even though I live in poverty and am on welfare) so $950/mo take home. I could do fine on $30,000/year so I find the incomes ridiculous for being broke. Fortunately my parents were products of the great depression so we got an allowance about 25% of all the other kids in the neighborhood. I have always paid cash except on a rare occassion where I would have the money to pay off the visa in a couple of weeks. I have no debt. Every house Ive owned on my own I paid cash and saved a ton of $$$ in interest. However I can no longer afford insurance or a car. I did better at $333 in the eighties.

[@ladylibertywdc8324]

Vote Republican.

[@annerose9219]

Yay! 🎉 An episode that I haven’t seen!

[@cjhoward409]

I think I’ve seen it 5 times 😆

[@gr8tgirly]

I bought my grandsons 6 pair of sweats at Goodwill for less than $15.00. I love when I get a good deal for little kids who grow so quickly.

[@ronnieking3848]

When seasons change you can find new department store clothing for pennies on the dollar.

[@ntokozosibulelomdladla9225]

Please i need the secret credit card to be addressed 🥺 I'm pissed at her

[@bettygrable6440]

How amazing to buy that house for $121k and pay $615 a month for your mortgage 😮

[@joank.0421]

They were so cute juggling 🎉😂 I wish this couple the best debt-free life!!

[@mirianadimitrova2112]

The fact that she referred to their son as "hers" a few times speaks enough...

[@bovnycccoperalover3579]

He called his son his several times as well.

[@b.neallee7042]

I buy all my golf shirts at goodwill. I live near a retirement communities. Those guys but awesome golf shirts. I buy my Marine covers, or hats. Help the community and dress sharp. Neal

[@rachealborders]

Thrifting is fun!

[@lorettacarroll6015]

When I bought my cars I looked at a number of things. First, what is my trade in value of existing car. Second, safety and maintenance of the new car. Third, how much cash I put down (I always make sure I can put cash down along with trade in). Fourth insurance cost. Fifth is what I can afford in payments and how fast I can pay it off. Back when I had to drive back and forth to work, gas mileage was a huge concern. Technically I still look at that. Yes you can say just don't buy one. But I used to drive 150+ miles a day. So I used to get close to 300,000 miles on it before trading it in. So I keep my cars as long as I can until maintenance costs more than it is worth.

[@cjhoward409]

It would be even more cost effective if you sold your used cars outright versus trading them in. Car dealers don’t give you much for trade in, because they need to make a profit on your trade in. So for instance instead of getting, say, $3,000 from a dealer on a trade in, you could’ve possibly got $5,000 out right and then put that $5,000 towards the purchase of a new/newer car. The only downfall is that it might take awhile to sell your car. But, I think it’s worth the time because it’s worth the extra money in your pocket 😁

[@anniec3438]

It is even better to save up and pay cash for your car. No new car until u have the cash to buy it outright.

[@sandysmith71]

So if you drove them a long time , they must have been paid off for a while ? Why not keep paying yourself that car payment so the next car you can buy in cash . No loan.

[@lorettacarroll6015]

​@sandysmith71 I have started keeping my cars as long as I can after paying them off. My current car is paid off and as long as I keep maintaining it, I expect it to last several more years. That car payment is now being placed in a high yield savings account.

[@sandysmith71]

@@lorettacarroll6015 awesome!👏

[@rainacherienne1010]

Gail has a gorgeous necklace in this episode.

[@lolacole5653]

$900 on clothes in credit, then gives it away???? Crazy

[@ruthirwin8222]

Some people have no idea, she is going to destroy her family

[@JaNouWatIkVind]

She’s basically renting it at a very high price.

[@myjeanification]

I wonder if her spending is a way of evening the difference in their individual incomes? Perhaps subconsciously

[@kimsrurallife8775]

This was my first marriage only in reverse. If I had had Gails help then we might’ve stayed married. But all he wanted to do was spend us into a hole and I’m not a debt person so the clashes got too big. And those will bleed into other areas of your life. This was I think my favorite episode.

[@judymcpheron5955]

So glad they are head to happiness and success.

[@duchess_of_petty9323]

I wish they would make new episodes since so many places are cashless now.

[@channell11]

It would be easy to update for that-they could use debit or gift cards loaded with a specific amount.

[@duchess_of_petty9323]

@@channell11 true. But I’d love to see how they get along doing that if the just have $300 on there and not the jars to see if they follow the plan

[@kikihowe4799]

People still use credit cards ….

[@LostInTardis]

Any place that refuses Cash should be boycotted! We use Cash as often as we can - and if we can't, we'll pay Cash to buy a 'pre-loaded' card, it works perfectly and we keep our purchases private. We mustn't allow Cash to disappear, that would mean: no Charity Bins, no helping the Homeless, no kids earning their first $5 for washing a car, no elderly able to pay for a handyman, etc, etc. If there is no longer cash, we are screwed! Therefore, BOYCOTT (and send a message) any place that is 'cashless'. Having said that, I'd love to see new eps! Gail is awesome! 💖✌

[@bovnycccoperalover3579]

Wow, great way to deal the expected digital currency the Biden administration and the Fed wants. Don't know about other Western countries but it wouldn't surprise me.

[@ErisstheGoddessofmanhwas]

"Our relationship is suffering " She knows but still spending like a fool.

[@samanthafreeman4315]

Its a coping mechanism to comfort her. Its what she is familiar with. Change is hard. My mom is similar.

[@annieno6848]

$70k is a pretty good income for a single woman, especially back then. It’s like she kept spending as if she was single even though she was married with a kid.

[@peggypeggy4137]

She made more than him which is why she kept spending and blaming everything on him. They were so much closer by the end of the time they were on the show. I wonder where they are now, 15--20 yrs later?

[@TrangHuynh-hz9vb]

Love this show.

[@ladylibertywdc8324]

Sidebar: that sectional sofa is too large in scale for their living room.

[@practicallyhumans]

That juggling got intense.

[@ruthirwin8222]

Im sure that guy is seething at the debt

[@channell11]

An extra $350 is far better spent maintaining older cars (unless they've been neglected to the point they're completely falling apart). You'll lose at least double that every month in first year depreciation on a new car. Insurance on new vehicles tends to be more expensive as well. $4200 a year should easily cover routine maintenance and even a major repair on existing vehicles. They've got no business buying a new car until they've got debt under control. But so many people only focus on monthly payments and not the total cost of those decisions-and that's why they stay broke.

[@kibblenbits]

I agree! I've never owned a brand new car and I'm in my 70's. All my cars (I drive them until they drop), which I purchased from the original dealers, averaged about 2 years old. When my 15 year old van died in 2014, I bought a small 2012 car, that gets 40 miles to a gallon of gas. Since I started working from home about 10 years before I retired in 2019, my now 10 year old car, that had 30k miles on it when purchased, has less than 70k miles on it and I now drive about 3k miles a year. It should last the rest of my life. I own my home on acreage, have been debt free for years and all my bills total less than 15% (not including food) of my SS income alone. My son (51) and his wife (48) of 25 years, also own their home and have no debt. It's the best possible way to live.

[@sarao8074]

She didn’t say buy a brand new car. The salesman was showing him older model used cars. I think the point was that if their cars go kaput suddenly, they have options rather than dumping more money into a money pit. She didn’t tell him to go lease a Cadillac.

[@thecynic9232]

Too many people see a car as an investment.

[@amandab8433]

I wish people would realize that the fast fashion that they wear once and then "donate" to the Goodwill or Salvation Army will most likely (84% of donated clothes) end up in the dump, or in the dump of another country. Very little donated actually makes it into the thrift store for resale. So not only are you spending money on unnecessary clothes, but you are contributing to climate change. Shop wisely. That being said my children's clothing mostly came from local thrift stores as they were growing up, especially during the fast growing years. Now that they are young adults all are VERY frugal with money, self sufficient, and all THREE had saved at least $15,000 dollars by the time they spend were 18 for when they moved out on their own for Uni. We were/are not a wealthy family, actually just barely middle class according to California wages. Teach your children well, especially about money and saving it, so they don't end up like the people in this show or her Prince$$ show. Also what she was initially doing to her husband is called financial abuse.

[@avres13]

I worked at goodwill in my early 20s and found out that pest infestation is common and they throw out tons of new stuff that’s exposed. However a lot still gets sold regardless like expensive speakers

[@bovnycccoperalover3579]

I regret the refi I did in 2017 to pay off debt. And, of course, I didn't make any change in my behavior and still racked up. I should have cash flowed what I need. Impossible to judge when you do the same thing as this couple.

[@christinebutler7630]

I can buy a door at Habitat ReStore for $20, hardware $5, time to hang and paint the door about 2 hours. What is their problem? Have they no Harry Homeowner skills at all?

[@lesleyrafuse9088]

Those chains? How very Dickensian of Gail 😂

[@5thdimensionliving727]

Gail is brilliant - the woman is a fool and the man is completely clueless 😮 not even having a bathroom door…complete abomination 😮

[@rahmatoullahbah5230]

making $70k in the early 2000’s is a blessing 😮😢

[@bovnycccoperalover3579]

Their relationship conflicts were a bigger problem than the debt. So glad Gail resolved both.

[@BlackNight603]

Poor guy admits he was forced to marry her. Thats where all the misery started

[@ykook7000]

🎻🎻🎻🎻 seriously 🙄

[@sheila3936]

He was forced to date her, forced to propose, and forced to move his lips in an “I do” motion. Nothing like passing responsibility for one’s own actions.

[@Youre-Welcome]

Clearly someone doesn't understand sarcasm 🙄

[@ברכהה]

The store is good for her. The kids need respect and new clothes. Maybe few, but good quality and new.

[@drewconway7135]

1:27 Canada is SO expensive! That’s 5% GST, plus another 8% PST. Ouch! 😖

[@dinimakhmudov1674]

Try living in one of the most expensive cities in Canada.

[@chubbybunny6975]

Lol that's the cheaper end of Canada. In my province we pay an overall 15% tax on everything. But if it means I don't gotta pay shit for accidentally breaking a bone or just going for a check-up, that's fine with me

[@carolbabb7875]

Sounds more like PTSD 🥺

[@PJSparkles100]

@@chubbybunny6975 until you actually have a medical issue and you realize you'll probably die waiting for treatment. 🤣🤣🤣🤣

[@DucksUnitedd]

But we dont have to pay for medical bills lol

[@dragonlover2085]

The bracelets are hot🤣

[@averilquinn2969]

she is on $70,000, how did they get into to such a mess. Should have been able to save on that type of money.

[@christinebutler7630]

Go for a minivan, dude. You're a daddy now, forget sporty.

[@mandy3486]

But one kid, smaller car is better gas milage

[@LightworkBeacon]

Now, $360,000 is barely a starter house.

[@thingformob]

Australians dream of only being only $360 000 in debt. Current house prices are insane! And interest rates have now rising.

[@amelie3012]

Haven't watched the full thing, but what they describe at the start seems like financial abuse...

[@adridip]

Is it Canada?

[@legzfalloffgirl5148]

I think so....

[@stephaniebrooks3629]

Yes

[@stephaniebrooks3629]

Yes

[@DucksUnitedd]

Yup

[@LS-xq5nf]

Yes Canada, the GTA

[@javaskull88]

Designer clothing is such a scam, and people look ridiculous spending top dollar so they can wear someone else’s name on their clothes. Learn to look for real quality, then wear it, care for it, and make it last for years.

[@shoppingwithmichelle9077]

He only makes 35K. He needs to bring in more income. She makes a great income. However 900.00 for clothes a month.

[@debordeliques]

I wonder if these people stay on track...

[@solidstate9451]

Why is it important to buy name brand clothes?

[@legzfalloffgirl5148]

No clue. Means a lot to some people

[@lynncaldwell8345]

Lots of them need the name written on them as the quality is not better.

[@jane-annarmstrong295]

It’s funny that this was filmed in the early 2000’s and thrift store shopping wasn’t that popular it now 20ish years later people brag about deals they get at thrift stores! Even well off people shop there 🤷‍♀️

[@cjhoward409]

I knew well off people shopping thrift stores back in the 80’s. It’s always been popular, but back in the 80’s we didn’t have shows like this or any social media. So, nobody really knew

[@haute03]

Actually, a lot of Millennials got into shopping at thrift stores in the late 00s/early 2010s. I definitely remember it being an "in" thing.

[@anytimeelgin8645]

Why would you advise buying a new car to a family deep in debt???

[@lilykhandker4126]

She wants them to own their actions

[@ronnieking3848]

She's looking to the future..they can buy newer cars or end up spending just as much on maintenance for older cars.

[@lolacole5653]

She means a "new to you" used car

[@sinkintostillness]

Gail wanted him to go through the process. If their car broke beyond repair before Gail, they would probably go to a brand new car showroom, point at the car they wanted and finance it without thought, probably adding the debt to their mortgage at a later date. This way he had to go in with a budget, work out their needs vs wants and ask the questions - most importantly "can we afford this?"

[@84BlueCrownvic]

I would be shocked if these two are still married in 2023.

[@oliviarylance4113]

THATS MY PARENTS AND THEY ARE…

[@bovnycccoperalover3579]

Olivia, thanks for the happy update.

[@karenedwards1552]

❤​@@oliviarylance4113

[@jilliansherrard2152]

This is what 20 or 18 years ago….over 100k then was ALOT of money….

[@deliarodriquez7129]

I would like to how many of those couples are still doing the jars. The before and after come Glide

[@janetroberts7614]

I saw a comment on another one of these episodes that said that she stopped doing the show because she didn’t feel like anyone was really changing their habits long-term.

[@truthlove1114]

Silly to buy a brand new car. Better off buying a used Toyota, Honda, they’re both known for going 200,000+ miles with basic maintance. That would be a better value.

[@samjosh4hjbf]

200k miles??? What you’ll def have buy another one in 6 months… engine or transmission will mess up and it’s not worth it

[@carolinalady7763]

We have one Toyota truck with 320,000 miles and a Toyota Avalon with 294,000 miles. Both still run great and we've done very little work to them. My husband drives 80 miles per day for work and the Avalon still makes the trip faithfully.

[@jenem9618]

@@samjosh4hjbf ​ I have a Toyota that's going on 250k miles. It has never needed major maintenance, just oil, fluids, and brakes.

[@Youre-Welcome]

🤣 They rust to pieces before they hit 100k!!!! This BS myth that tHE eNgiNE lAStS foReVEr...when literally it is rare a modern car has trouble with any engine until it has over 200k miles, regardless of manufacturer. You're far more likely to have transmission or computer problems. Except with a Toyota or Honda, you get an ugly rust bucket too! 🤣🤣🤣

[@bettygrable6440]

@@Youre-Welcome We don’t have rust in Texas. And you’re deluding yourself. Toyotas and Hondas DO last forever with proper maintenance

[@SavingMsBlack]

All that money and they could have bought a new house. No judgment just saying 🤷

[@oliviarylance4113]

actually, they did buy a new house like two years after, im their daughter and sadly the little pug died in the house. miss you lucy. ❤

[@bovnycccoperalover3579]

Rest in peace, dear Lucy.😥😥😥

[@yodatwinkie]

19:03 Savage 😂

[@Liam19831]

35,000 for a truck driver is wild

[@elbasset7214]

4 minutes in she's crying

[@christinebutler7630]

Good lord, she's not a bloody movie star,.how many clothes can she wear?

[@anitas5817]

Did she think her clothes looked good? They didn’t.

[@DucksUnitedd]

Lol shes my aunt and her clothes were my moms 😂

[@Sasa-pm7jc]

​@@DucksUniteddOh yah...sure...lol

[@oliviarylance4113]

@@Sasa-pm7jcthey were, he’s my cousin and he’s not lying my mum (liz) even told me

[@momof2momof2]

Live off of her income and use his to pay bills

[@1974hurt]

Yes!!

[@EllisSmiths]

I really did not like the wife. She is pissing money away like water and refusing to let her husband have money for anything he wants. What a selfish witch.

[@cjhoward409]

But he also has stuck his head in the sand not wanting to know what the bills are l🤪

[@jenem9618]

I'm surprised more people aren't commenting about this. Refusing to let your husband buy anything while spending the family into a mountain of debt and opening a secret credit card... if the roles were reversed, people would call that abuse.

[@oliviarylance4113]

my mother is not a selfish witch, she was in a hard time and the way she coped was with money, she’s over it now and laughs at this 💀

[@LS-xq5nf]

@@oliviarylance4113that’s great. I am really happy for your family 😊

[@bovnycccoperalover3579]

Glad to hear that Olivia and that Gail was really able to help them.

[@Mr.Boring_Man]

Total financial abuse on her part but she's a woman so that's ignored. Men who make more than the wife couldn't and shouldn't be able to so restrictive to their wives. Goes both ways in the land of Equality. Glad to see they are both on a better page with transparency. Great job!

[@Fishouta]

Buying the new car just added to their debt.

[@cjhoward409]

But if she stops spending $900 a month on clothes, they can definitely “afford” a $500 a month car bill and still have $400 leftover to pay down other debt

[@solidstate9451]

@@cjhoward409 yet, they didn't have the 900 Dollars in the first place.

[@cjhoward409]

@@solidstate9451 Well that’s true 🤔🤪

[@Fe26man]

“I opened a secret credit card.” This is a fear that is keeping me from getting married, again! I consider it infidelity at this point in my life- in my 30’s, now.

[@b.neallee7042]

You don't want to know and don't want to. You are in the top 10% of all taxpayers. Easy way is the wrong way. The banks will make sure your don't win. Neal

[@kittycat3800]

Guy's don't marry a woman who is like this.

[@pamsmith1665]

Bored with this one

[@zhangshiyucao]

what i get from all these episodes is "why do Americans buy so much crap they don't need?"

[@MariW736]

Except this entire show was filmed in Canada, lol

[@legzfalloffgirl5148]

I wonder that about us westerners as well

[@Youre-Welcome]

Except it's in Canada 🙄

[@bettygrable6440]

So so so Canadian 😂

[@102tatertot]

The wife is a nightmare, hope I never get so unlucky in love

[@DucksUnitedd]

Bruh shes my aunt lol

[@bovnycccoperalover3579]

When we comment, we should remember family might be reading the comment.

[@oliviarylance4113]

@@bovnycccoperalover3579BAHAH IM HER DAUGHTER AND SHE JUST KAUGHED SO HARD

[@84BlueCrownvic]

The wife was awful.

[@DucksUnitedd]

Actually, now she runs her own dental hygienist place and makes alot... shes my aunt so I would know.

[@DucksUnitedd]

Actually, now she runs her own dental hygienist place and makes alot... shes my aunt so I would know.

[@bovnycccoperalover3579]

That great news. Always like to hear couples are doing well.