 And so the last part of your question is not a problem at all. So if the bank, whoever the flip the bank is on this deal, wants to just give you a mortgage and put the property in your name at $150 off the price and you guys go get a mortgage, that's fine. If you want to do a contract showing the total price and $150,000 credit, you can do that too. Get with a title company. They can show you how to do that. It's not rocket science. But people do not...