 They're all things that you do need. You do need a survey. You do need an appraisal. You do need title insurance. You do need to set up your escrow account. All those things are fine. There's nothing wrong with them. But when you add them all up, you kind of get a sticker shock moment. You go, they're ripping me off of these closing costs. And no, not really. You just got to know what they are. And so dig in there and figure out what they are. And that'll help you get a good solid estimate because it does change from area to area. And a lot of it is based on the cost of insurance and the cost of taxes in your area.