 you could end up with 3.5%, 4%, 2.5%, whatever. Assumable mortgages are out there. And then, of course, the doctor's in. Williams Integral Care on the way at about 7.40. 5.38 right now, time for a Bloomberg Money Minute brought to you by the law office of Kelm and Reuter. They are attorneys who make a difference, and you can find them online, kelmreuter.com.