 It's not a bad thing. In a year from now, the agents are going to look back and say, I still made the same money. I did a few more loans, but I didn't have to deal with all the negotiations and the accusations I make too much. I think that's going to happen. I agree with you. But it's going to take time, and people have to understand. I agree. You've got to pay attention. You've got to make sure you have agents that are willing to work with you. Wholeheartedly. The good agents, like any industry, Kurt, when changes are made,