 And the key is without recourse, meaning they don't come after you for the difference, the deficit balance, which they will in the event of a foreclosure. So the only advantage to doing a short sale or a deed in lieu is to avoid the deficit chase on the foreclosure. It's not really to save your credit. It saves it a little but not that much. You're still trashed. You're still in a hole. So, folks, the point of the rant here and our –