 elevated still right now. I mean, they've improved since the end of the pandemic, but there's still some supply constraints that have building materials. The costs are high, which is why we don't have enough homes in this country and we still have a lack of inventory. And so, I mean, could you go out and get a construction, a permanent loan that you could convert and take the funds that you have and put it down? Sure. I just wonder if that's in fact...