 So basically, it just seems like since most people don't live in their houses for their full life, then you would basically be in a situation to where you're paying most of your payment toward interest. If you live in that home, say you get a 30-year loan, but you live there 12 years, the bank has had the advantage of getting most of the interest out of you, even if you move in 12 years. And then you buy another home and you start the cycle again.