 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. You don't know what's going to come up. So Mike, I know you want to pay this off, but follow up with us. Maybe there's some other money that's available or maybe you've got so much money, it doesn't matter. But I want to emphasize that paying off a sub 4% mortgage may not be the best thing for you, okay?