 trust when I tell you that. And the difference between Dollar Street Mortgage and your banking institution or any other mortgage company or even the people you're talking to right now are not going to give you a financial checkup. They're not. They're just going to do your business and see you back out the door with the same struggles. Why don't you want to say something? No, I mean you're wrapping it up pretty good. This is some good talk right here.