 Last year, we had a proposal from Alaska Housing Finance for $25 million that's going to be spent on down payment assistance for first-time homebuyers. Why is that a bad idea? I want people to buy homes, especially first-time. I want them to buy homes. But why is it a bad idea to say, okay, if your new house, the price has skyrocketed to $400,000, you've got to pay 20% down.