 So any individual who believe they want to save up a little more, pay down their mortgage a little faster, well, it just shortens the life of the mortgage. And the other part is that when the mortgage rate decline, nope, because, you know, markets go up and down. So some period there will be decline in mortgage rates. Maybe it's two years from now. Maybe it's five years from now. One can always refinance and lock in those lower interest rate. So a great opportunity.