 Yes, sir. Number two, the house value is going to go up long term. And in a better neighborhood, it's going to go up more than in a not-so-good neighborhood. Agreed? Yes, sir. Okay. So both of those things are going to make this a smarter investment every day after you buy it. So your point of greatest strain is the first day. And every day after that, the strain diminishes. Follow me? Yes, sir. The third thing that could happen is rates could go down and you could refinance.