 Okay. And you can do it on 1%. You can do it on a half a percent. But obviously at a half a percent, it's going to take you seven, eight years to break even. It's probably not going to make sense. But anywhere from 1% north of their savings, you can start running the calculation. But it's simply take your savings annually and divide it into the closing costs or the refinance. And that's how long it takes you to get back to even for having refinanced. And then everything from there is gravy on the biscuit, right?