 Similar to a short sale, both of these are due to your credit about what a foreclosure does to your credit, but they don't chase you for the deficit. If you don't pull off one of those two things, and those are up to the bank, up to the mortgage companies, whether you can pull that off, very difficult to negotiate, especially in this current real estate environment. They don't like losing money on mortgages in an escalating price environment. They just don't do it very often. And so if you can't negotiate a...