 Really, it stopped me from being able to get a house. It stopped us from starting our family in this poverty stricken home. 8% doesn't really seem like a lot, but I guess it's a lot when you're looking at $12,000. And then over the course of years, I just woke up one day and it was $39,000. You just don't know what to do. You're paralyzed and you get depressed. I didn't sleep for like the first year because I was always worried something's going to happen. It's awful.