 Even for non-veterans, can we have a 30-year fixed rate mortgage? So through the backing of Fannie Mae, Freddie Mac, we have the government guarantee on most mortgages in America. And consequently, we have this 30-year fixed rate mortgage. One can always ask our Canadian neighbor or, say, people living in Britain, when the central bank raises interest rate, believe it or not, their monthly payment will soon rise after that. But in America,