 because they want to have policy covering them, you can get a simultaneous issue for a few hundred bucks that covers you as well. So that's one thing. The second thing is you're going to have prepaids, they're called. And you're aware in most house payments today, you have a house payment that is principal and interest to the bank, and they also collect approximately a twelfth of taxes annually and a twelfth of insurance annually so that they can build up