 I earn $125,000 a year. My current mortgage with taxes and insurance is $3,400. And the HELOC alone is going to be $1,200 in interest payments alone. And then in two years, it's going to convert to a payback. Oh, gosh. I don't know what that payback is going to be. Like a lump sum payback. Well, it's going to be a 20-year payback on a 30-year type rate.