 more than what your mortgage rate currently is by investing the money. Oh, and by the way, you have no prepayment penalty. So if at any point you change your mind, you pay off the mortgage, you keep full flexibility and liquidity, you will come out ahead. And if you hear all that and you mostly agree, but your final argument is, well, John, I'm near retirement or I'm in retirement and I don't want the payment just for cashflow. I'm in retirement. You are missing an important point. Your balance sheet is the exact same. If you have a $2,000 a month payment, but you have 500,000 in your investment account,