 They are bankers. They provide you loans to buy a house. So I talk about the housing market every single day on Hugh Hewitt's three-hour show. And every day, almost every day, I'll tell you what the 10-year treasury is. It's at 4.187% this morning, which means maybe if you're lucky and you've got good credit, call Andrew and Todd at 888-888-1172. You'll be able to buy a house with a 6.75% 30-year loan.