 I'm reverting back to that season in the early days of the mortgage where the vast majority is going to interest. So you're just not going to see very much in the way of principal reduction. Now, I realize not a lot of people are refinancing right now. Rates are super high. But just keep in mind, when that time comes, because those of you who have gotten mortgage recently will probably be looking to refinance here in the next year or two, what I would recommend is...