 I mean, it's really going to cause some dislocation that's going to last for a long time. Well, sure, and even if you say, well, I'll just rent in the next place. Well, rent rates are much higher than they were just a year or so ago, and so you can't even get that housing at a rate that you can afford. And in the meantime, you have to carry the other mortgage on the house, which can't sell. So it's just unbelievable the upside-down way