 Well, some people say, oh, I can afford a mortgage in retirement. And I'm like, you know, when people have their house paid off and they walk through our doors, I usually say you can retire because that's our biggest expense. Many times we need that mortgage payment money to pay the health insurance in their retirement years. So if you have a mortgage and you have a $1,200 a month health care budget, all of a sudden that could eat a lot of your money away.