 you can live with this. So you may hear this advice and say, who cares what she says? I'm going to pay off this mortgage. It would be a bad financial decision because we need access to your money. You don't have that much liquidity. And I think that it's important not to use that money up to pay down the mortgage because then if something, if you did need to tap money, you don't have it, you know, and you want to stay in this house and we don't want to force a sale. So I would not pay it off.