text:  Absolutely. And you just mentioned something that is so important, generational wealth. You look at the statistics, and if someone is renting for the next 20 years or going to home ownership, you're going to find that the wealth one builds through having ownership. Taking that first-time home buyer property may not be the property you want to spend the rest of your life in, Stephen, but start that accumulation of wealth so that you can build equity, pay down a