 What we're aiming at, and if I could backtrack in Linda's life, I don't know what all happened to her, but if I could backtrack in her life 20 years and take her to a better place today, I would, obviously. But I can't, so we'll work with what she's got. So I'm going to buy the cheapest possible thing as soon as I possibly can. And then if interest rates go down, you can refinance. Folks, you marry the house, you date the rate. The rate is not permanent. You can refinance and get rid of the rate.