 you're not going to make a lot of progress through those mortgage payments just because of the way amortized interest works. So I think understanding that is really key, and I'm glad you raised the point in the process. But I think it's also important to understand that all of that is fully disclosed on the front end. I mean, that's not hidden to anyone. You should be able to see at any given moment exactly out of every payment you're going to make what's going to interest and what's going to principal and the effect of those extra principal payments along the way.