 I understand. Really, I ask this question. Well, if I can save 1% interest, well, depending on how much you're borrowing. I mean, if you're borrowing $100,000 of home equity, 1% or 2%, I mean, the question I keep asking is how much do you really need to borrow? I understand the interest rates, but if you only need to borrow $40,000 to fix up something, don't borrow $80,000. Right. Your interest rate is insignificant to the amount that you've got to pay back. All right? That's what I'm getting at.