 Exactly like you said earlier, Cleve. And my point is that what I don't think these buyers that need help with closing costs are understanding is that when rates drop, and I know that's why you're sitting on the sidelines. You're waiting for rates to drop. But what's going to happen is you'll have no ability to get closing costs or repairs done because a seller won't have to do it when they've got 25 people knocking on their door. I had one last week.