 or a deed in lieu is to avoid the deficit chase on the foreclosure. It's not really to save your credit. It saves it a little, but not that much. You're still trashed. You're still in a hole. So, folks, the point of the rant here and our, I don't know what the right word is, our distress for that family is when you're in a situation that's tough like that, you've got to be tough.