 Got sticky for a lot of people. They'd planned on staying in their houses for decades. But somebody lost a job. They had to get out. They were underwater. And some of them still haven't gotten out. Some had their mortgages modified. Those were 30-year mods. Some still haven't gotten out from underneath it. It could be a really fateful decision. I was going to say error, but it was only an error in retrospect.