 flip where, you know, you're sending more to principal than to interest as that balance comes down, which means that every time you refinance, you're trying to get a lower rate. But remember, you're resetting that. And so if you continue to keep the term the same, so I get a 30-year mortgage, I pay it at five years, I refinance, I get a new 30-year mortgage, I pay it at five years, I'm continuing to extend the mortgage. But on top of that,