 I think the thing that I like what you always say before is that it's all about what your mortgage payment is going to be. Base it on that and not on your rate. And then, like you said, it can be changed coming down the pipe. We have tons of slogans. I mean, number one, we're going to budget, right? I always work with everybody. What is a budget? What can you afford for a mortgage payment? And we work backwards into a house.