 And so if a house has a roof that, depending on the lender and depending on the insurance company, if it has less than a five-year, what they term a five-year life expectancy of that roof, they will not insure that roof or they will not write the loan on the roof. Same thing for a foundation. If the foundation has some issues with it, some deficiencies to it, the insurance company may not insure that house or the lender may not lend money on a house unless certain things are done to,