 So you might as well capture some of that interest rate that's available to you. The other thing, too, is that we want to talk about just your financial planning, because with interest rates being high, the cost of goods are obviously a lot more expensive. Fuel, groceries, just daily living expenses, right? Exactly. And that could actually throw a major wrench in your financial planning if you have not accounted for it. So let me give you an example. If you went back in time five years ago,