Well, at the moment, if you have an interest cost, you can deduct it, and if you have a mortgage, say, on a home of half a million dollars and you have income of $48,000 or above, then you're going to be paying 30c or 33c—so about a third is your tax rate—and if you have a 3 percent mortgage and you're paying about a third tax that you can no longer deduct, then you're paying 1 percent. That's what it costs now because of no more interest deductibility from this legislation. So 1 percent of your mortgage—that's what you're paying. But remember, I said that that's with 3 percent mortgage rates. 