 You know, I've had questions over the years saying, gosh, you know, Curve, I promised myself I'd pay my house off by the time I retired. And let's say you owe 100 grand and all of your money is tied up in your IRAs or 401ks, things you prioritize. Well, you now have to take a lot more than 100 to net 100. And that's an aspect of saying, gosh, I'd rather pay 3% to the bank versus paying 30% to Uncle Sam.