 Yeah, that's true, because typically you're going to have somewhere between 3% and 5% in fees, and in order to get that back, it's generally going to take you about five years. In some cases, it could even be longer than that, which is why you need to save at least 2% on the interest rate before you'd want to consider refinancing, I'd say at a minimum, a point and a half, and you want to make sure you're going to stay in the home long enough to realize that.