 Usually is. So for those of you listening, get with Kurt. Get on the front side of this, whether you're looking to buy a house, whether you're looking to do something different, just refinance, whatever the situation might be. Maybe you've even done a loan here recently, the last year or two, and you want to drop that rate. There's all sorts of ways you can even do that now. So those of you listening, give Kurt a call. 720-895-0500. Okay, let's do this. Let's take a break. We'll take a little bit of an early break and come back because I want to dedicate a segment to just talking about...