 has the signature benefit that it did on day one, and that's the ability of veterans and service members to buy without a down payment. It's really aimed at helping level the playing field and boost access to home ownership for those who served. And for so many consumers, younger folks especially, that down payment is the biggest hurdle they'll face. And so about 75% of VA buyers last year got into a home without putting down a single dime toward a down payment.