, those atms that you see that are just sort of like this solo machine that's, you know, in the laundromat up there in the side, in the bar. you have to be very careful with those. the encryption isn't always that great. people can actually take the hard drive out of those and read information. sometimes those things are a phony. they're actually set up as a machine for you to put in your card, whether a debit card or credit card, so someone can steal your information. >> how about recurring bills? because it's very handy, subscriptions that automatically just get updated on a month-to-month or year-to-year basis. >> you might forget that you have signed up for the annual, you know, payment that's automatically going to be charged to your credit card. perfect example. you sign up for a magazine. you sign up for the auto pay every year. well, you forget that you did that, and then they send you a renewal notice in the mail, so you pay that, and then you also have the auto pay that you had signed up for, so now you've been dinged twice for that $12.99 magazine or whatever it might be. so, it