 It's not trying to do everything at one time because someone else just bought a house or sold a house. Well, let me tell you, nothing is worse than turning around, you buy a $500,000 house, and then the AC goes out and you don't have $5,000 to get a new AC. That is backwards. And so when you move into a home and you don't have an emergency fund to cover the things that will happen eventually, you thought the leak was fixed, it's not fixed. You thought the roof was good, it's not good. There's always something.