 But I think the simple answer is start with one, start with a loan officer and a real estate agent and just get started. That is such a great strategy. When we do workshops for home buyer workshops, we tell them you may not be able to buy today, but at least you'll talk to a real estate agent and a lender and get your plan in place. It may be six months, maybe one year, two years or five years, but you've got to start somewhere and it starts with that conversation first.