 The rate I gave this couple, the 6.875, was what I'd call, what I term the par rate. That's the rate where they're not being charged any extra points or origination fees. But it's like I told them, you want a rate of 6%? I can do it. But it's going to cost you because you're going to pay the bank these points, these upfront points, upfront origination fees to buy the rate down. And so what you really need to watch out for is not just rate shop.