 There are probably nobody left in America who needs to refinance right now, but in about two years with Donald Trump, everyone's going to need to. So you'll need AAA, AAA, 1172. But in the meantime, some of you have got to move. You are military, active duty, and you're getting transferred. And you have to buy a house, and you have a VA loan, so you can sell the one you've got, or you're going to buy your first house. Nothing down. Andrew and Todd will help you with that. They'll lend you the money. You're a first-time homebuyer.