 What about those that want to put 20% down and have to put 15% and the only way to make it work is they have to go to an 85% loan to value and pay a few dollars monthly. Now all of a sudden they don't qualify. You've taken those customers. Right now it's about 36% of first-time homebuyers and you've just made it twice as difficult to buy a home. So you're taking basically a third of first-time homebuyers out of the market is what you're telling me. You may be taking them out. You're going to have to find agents that are willing to work with you