 And if somebody doesn't have the money down to purchase a home, well, frankly, they probably shouldn't be doing that because there are other expenses regarding home ownership. What if the roof goes out or the air conditioning system goes out? And if they don't have the money for the down payment, are they going to have the income to take care of the maintenance, for example? So these creative, quote-unquote, financing options, these zero-down mortgages...