 Do not do this. You guys are putting this all together like there's only one thing that can happen, and it's everything works out perfect. And 100% of the time, everything does not work out perfect. Yes. Everything that comes at this, if you want to refinance, you want to sell, they don't want to sell, you are now in partnership with people for no apparent reason except a half a percent. No, no, no, no, no, no, no, no, no.