 And then you're set for retirement. You don't have to be a millionaire, but you've got to, you know, what we're aiming at. And, you know, if I could backtrack in Linda's life, I don't know what all happened to her, but if I could backtrack in her life 20 years and take her to a better place today, I would, obviously. But I can't, so we'll work with what she's got. So I'm going to buy the cheapest possible thing as soon as I possibly can. And then if interest rates go down, you can refinance.