 But if you made a seven spread, you have to pay taxes on it, and you've increased your risk load, your stress load, and you've strained your relationships in your household. And by the time you've done all of that, you really didn't make any money. So it's a bloody joke, okay? Because 7% on $10,000 is $700. 7% on $30,000 is $2,100, okay?