 I get it. I get it. It's like a thorn in your side. First of all, under 4% is just not that high a mortgage interest rate. And you're probably earning about 4% in your savings account. But more importantly, once you pay off a mortgage, that money's gone. You lose the access to that liquidity. And that is something that I think we really underestimate as we get older, as we get into retirement. Access to your money is important.