 And on a 15-year mortgage, you're deducting right away in principle like $700, and you're only paying $400 in interest. And it gets greater and greater, and the snowball gets bigger and bigger. That's why Dave Ramsey talks about the 15-year mortgage. Why do you think these banks aren't up in arms that they have all this money out there at 3%? Well, shouldn't they be freaking out?