 I'll tell you something right now. Get done early. Don't wait. She said it before. Really, when you listen to the story of the first half, it was perfect. You know, it sounds like you're going to be saving money, but in the long run, you're really not. And to be able to refi, that sounds so perfect. So give her a call. Her phone number is 541-980-8102. You can also check her out wherever you want, social media, big time.