 To get a mortgage. To qualify you. And you've got to get a title company to close the deal, right? And so a title company can close the real estate. And you get title insurance. And then you can get proper homeowner's insurance. And the things you need to do when you buy a house. And this was all for the 3% spread that they made. Oh, 100%. And the guy selling it is just a... He thinks he did it. Trustworthy.