 No, it truly is. And let's look at this. You know, this gentleman was, you know, raving about his groceries. Well, you know, the median home price, okay, prior to 2020, the median home price was about $225,000. Wow. Okay, that was a median home value. And a joint income, right, you needed to have about a $79,000 joint income to be able to qualify for that loan.