Yes, I think financing furniture is a smart decision. We have great financing up here with our financing partners. You can finance your basic purchases up here.

Gallery Furniture has no interest for 15 months. I don't agree with no interest for 48, 60, 72 months. I think it puts too much pressure on the customer because what's hidden in the small print of those deferred interest long-term plans is, if you miss one payment, the entire interest reverts back to day one.

So, you're on month 59 out of a 60-month payoff, and you miss that month. The entire interest goes back to day one, and you got to pay it all.

So, stay away from that long-term financing. I don't think that's good for anybody.