 versus just waiting for rates to drop. So if buyer one who bought at that 7.25 and who put the $100,000 down and bought for 500,000, if they refinance now to the same rate that the second buyer waited to get to to buy, not only does buyer one end up with a lower mortgage payment, it's about $227 less, they also pay $10,000 less in their down payment and their mortgage that they have the loan out is also lower.