 Property values can go down. Certainly in regions like the South, we're starting to see some of that happening as we speak. If you start to go underwater in terms of the value of the property, or you lose a job, or you fall in some kind of financial distress, you could be on the hook to pay back the 3% that you borrowed. And if the house isn't worth what you owe, you would actually be in default, which is exactly what happened