 And I've just seen so many people get off course lately that where I'm like, geez, what are you doing? You're borrowing money at even, let's say, 4%. You're getting rid of that. You can make five in an online savings account. I mean, I have some money in Lending Club, which is an online savings account, FDIC insured up to 250. And I can make five there. And I got loans sitting at three. What's going on here? Let's do the math, right? Things get a little tougher. You don't just exit.