 and everything's going to be relatively the same. You're not going to have a mortgage payment with that. You can make a mortgage payment if you want to, but it just gives you that flexibility in retirement that a lot of people aren't aware of. Dave, if you will, kind of update us on the marketplace right now, what you're seeing as far as people needing the financials, not only those that we're talking Kelly Kelly about this morning, but the whole market.