 So whatever your property tax is, Bill, is four months of that. And whatever your homeowner's insurance is, four months of that to set up your prepaids, they're called. It's prepaying and setting up that escrow account to be able to do principal, interest, taxes, and insurance, PITI, as you go along. Typically, there'll be a survey fee. Usually, that's not super expensive if it's in a neighborhood, $75 to $200.