 They inform you about the VA programs. If you're a first-time homebuyer, they'll talk to you about the FHA program. If you're a senior citizen, you don't want to move, but you just want to get the equity out of your house so that you can live a little bit more on the interest income from that money that's sitting there on your lake of equity. Or you want to use that equity to help your kids go to college or your grandkids go to college or whatever. The equity is just sitting there getting, getting, getting bigger, and it's not helping you.