 There's other reasons why we thought that might be a particular opportune time. One reason is that you're already listing all your assets and thinking about everything you own because you need to tell that to your lender when you're trying to get the loan. And so half the work is already done, we thought. The other thing is that you are already acquiring a large asset that you might have in mind for someone because people do think about leaving a legacy, especially in the form of a house.