 So you need to give us a call. Let's run the numbers. More likely than not, whatever you're paying in rent is more than what your mortgage payment would be. And when it comes to the refinance deals y'all do, often it can be a crisis like I've got debt. I need to figure this out. I'm kind of just getting destroyed under this mountain of debt. It doesn't have to be that. It could be for any reason you just want to say rearrange the finances.