 10 and a half years. Yeah. 10 and a half years. They'd have no house payment, no car payment, no credit card, no other debt. And here's the key. Don't be a refi-holic. Don't be a refi-holic. Don't do that and run your credit cards up again. And I see that all the time. And I know lenders love it because you just keep coming back. But look, we have to be financially and fiscally responsible. And I want to help clients go into retirement debt-free. I mean, no mortgage, no debt.