 Right. And it's okay. There's loans that somebody comes and says. It's not a good fit for you, right? I'm not the guy for that loan. Right. They'll come to me for a second mortgage. I said, no, I don't do them. It's the time. Here, go over here. It's cheaper. Saves you a lot more money. I'm fine with that. Like every business has customers where it works and it doesn't, right? You have to realize that and take care of the customer up front. Let them know that. Okay. So I keep asking the question.