 because anything you send beyond that schedule monthly payment, where it's applied based on that amortization schedule, which is all available on the front end, but anything above that is going directly to principal, which is going to really benefit you because now you're not paying on any interest on that amount that you reduce the principal by for the life of the loan. So that's great. And I would just really try to do that. Maybe at least one payment, extra payment a year, if you can. The second is, you know, I generally advise folks to,