 I don't know why because it seems so bloody obvious to me, but I'm still feeling the need to go back and say, okay, let's pretend that we could revisit our last caller before he made some of these decisions. Yes. All right. You buy a house that you can't afford. Now, lots of people have done that. Yes. And your house payment is 50% of your take-home pay. This, by the way, is mathematical suicide.