 First of all, you've got to compare what is the difference does it do to your payment and how long does it take you to recoup that extra closing costs. Well, if it takes three, four, even five years to recoup, but there's a chance you're going to refinance within that period of time, it makes no sense to pay that money right now because you're going to lose the chance of recouping any of it when you refinance. You're going to have a new set of closing costs.