 So if you can buy the house today, you should buy the house today. If you want to buy the house or if you need to buy the house. Sometimes people, they have to move. It's not an option. Well, and if you're renting, you're paying a mortgage regardless. Right. It might as well be yours. So you already know how much you can afford a month. Yeah. You're going to either pay in your landlord's mortgage or you're paying yours. Yes. If it's yours, you've got something to show for it. So I will leave you with one more thing. Is the biggest factor in how much you pay for a home? Yes. It's not the interest rate. What is it? It's the competition.