 It works like this is a land contract or a contract for deed. People do those as well. It's the same mess, same exact mess. And when you've got increasing interest rates or when people try to do this because they think they're taking advantage somehow, the risk that you're taking is unbelievable here. Unbelievable. The juice ain't worth the squeeze. That's what they say. Oh, by the way, if you do change the insurance into your name,