 Mathematically, it's about the same thing. It's just a balance sheet switch. Pay off $300, take out $300. Yeah, exactly. We're going to pay off $300 on the house, but we're going to take out $300 over here on student loans. So that's the same as borrowing on student loans to pay off your house, which we wouldn't tell you to do that. And nobody would do that on purpose either. But that's the net result of all this trying to hide the P under a shell thing.