 And they're just stuck in that position because they're unwilling to let go and rent for a while. It might be in a season of renting. They're going to have to jump to a much higher interest rate. And so these are real problems on top of, of course, the groceries and eating out and your lifestyle and the subscriptions and all the luxuries that you've come to enjoy that are hard to get rid of. It's hard to cut down your lifestyle.