 I realize that's easier said than done. And a lot of times folks have a retirement asset like you have with this $265,000, and then they have home equity that they're sitting on because they paid off their house, and that's great. And that's where some folks will use a reverse mortgage to systematically pull that out, boost cash flow on a monthly basis, and not have a mortgage payment. And that can be another planning tool. But give me your thoughts on all that.