 That's $80,000. So now I'm going to make sure you've got to pay $10,000 by giving you $70,000 to your down payment. So that is a bad thing because that does nothing but artificially inflate the market, which drives up home prices. Because now you have more people buying in a market where in theory they wouldn't be able to buy because they didn't have the capital. And you do nothing about the actual supply of homes, which is why the price is so high.