 And, you know, it's not surprising why 90% of the mortgages are the 30-year fixed because they're so flexible. I mean, if you get a bonus from work or something, you can make an extra payment. But if you want to stick with the original payment, you can do that too. It's up to you. That flexibility, you know, so by paying a little extra, one can reduce the term of the mortgage. So rather than paying off in 30 years, one could pay off in 22 years.