 Well, I'm not a fan of HELOCs for a whole lot of reasons. Number one, it's moving you backwards financially. Number two, it's going to have a variable interest rate that can change with the market, which is scary. And it puts that home at risk. Right now, it's paid off. Very little risk involved. As soon as you add that HELOC, something goes wrong, you default, life changes, and you can't pay back the $150. Well, that's a huge problem. And so I would recommend, number one, either you keep it and you cash flow the renovations,