 three percent. You can negotiate more closing costs. The closing I had yesterday had $11,000 credit towards closing costs, and the seller put a brand new roof on the buyer to lower their insurance by $100 a month every year moving forward. That would not have happened in 2021 when interest rates were three percent and people were paying cash for houses. So that is the silver lining. I always tell people, I say, I don't want you to make a 30-year decision in 30 minutes. When we're talking about these financing numbers, let's just look at