 take out a $200,000 mortgage, you put half down, you're going to put that money in a high-yield savings account at 5%, but you're going to be paying 7% on the mortgage. I mean, I'm just telling you right now, there's millions of people listening to this, and they've got their face in their hands, wishing they could trade places with you. Wishing they had a half million dollars in cash to buy a $400,000 house, especially in the trades.