 Secondly, Joe, I guess a part of that that makes sense, too, is that if you get out the 80% equity and you turn around and you sell your house, okay, well, if you're using a realtor, you're the seller, so you're already going to have to pay 6%, the buyer's agent and the seller's agent. So that extra 20% just went down to 14%. Then you may have a seller that wants 3%, so that 14% just went down to 11%. Correct. So just think.