 Why would I give up 5% and pay my bank a 2.5% mortgage? This doesn't make sense. Now, on the other hand, if you've got an older mortgage and maybe you're paying a large amount and you can afford to pay it off, then yeah, it might make sense. But I think the bigger question here that we hear, Ralph, is should I pull money out of my qualified plan like my 401k or my IRA and pay my taxes off?