 Americans can't help themselves. They won't keep the home and rent it. They won't stay in the home and make it work. Bigger, better. And they're on the hamster wheel. So in five to six years, the average American is going to move. We'll have that loan off the books and we'll get them at the new rate. More consumers held their properties, they'd be in trouble. All of a sudden, banks would be having a major issue when it flips.