 Any other points that we need to make in helping people with their mortgages? First off, to be sure you know what's in your loan agreement. I wonder how much you many of us do. Oh, you know, like if you've ever closed on a house, you know how long it takes to sign all that stuff and how, like it's just this mountain of paperwork. So it's really reasonable to not know every single little thing that's in your mortgage agreement.