 And it's no way to live. It really is tough. So I think that reverse mortgages in today's environment are worth looking at. And remember, you can purchase a home with a reverse mortgage. So if you're in retirement age and you need to still buy a home or you want to downsize, you can buy a home with a reverse mortgage and not have a payment on it for as long as you live in it. There's some cool things about it. It just needs to be used correctly.