 What happens? You don't owe any more money to the bank, to the lender, do you? Because you're paying the monthly interest out of pocket. Well, if you do that, what happens is you're now borrowing at simple interest rates. So you're growing the money compound, you're borrowing at simple. Guess what happens over time? You create a bigger and bigger gap over time, which means you have more and more money available that you can then access. Remember, your bank line