 So home equity continues to grow. I don't fault the Bidens for taking advantage, obviously, of the fact that homeownership is a tremendous vehicle for wealth. The refinancing part of it's a little goofy, but the rest of the story sort of speaks to the power of what a lot of Americans have done, and that is, you know, invest in homeownership and it pays off. When they say they use the home as their personal ATM, I don't know if that's a negative or a positive, but is it possible for the rest of us to?