 If you did get a new, let's say you have a 30-year, you get a new 30-year, pay it like it's a 25 if you've been in it five years. And so you're sending extra every month, which is going to principal. That would be another way to do it. And the benefit there is if you ever got into a real squeeze, you lost your job, you could drop back down to the minimum scheduled payment, but you don't have to. You pay it like it's a 25 or better yet, get a 30 and pay it like it's a 15, right?