 And we did a lot of deeds instead of, deeds in lieu of foreclosure. And the key is without recourse, meaning they don't come after you for the difference, the deficit balance, which they will in the event of a foreclosure. So the only advantage to doing a short sale or a deed in lieu is to avoid the deficit chase on the foreclosure. It's not to really save your credit. It saves it a little but not that much. You're still trashed. You're still in a hole.