 Well, let's say simplicity. You divide it by 12, right? And you give that portion of that extra payment with your current payment and tell them to put it towards principal. So you can pay a 30-year mortgage in 22 years now by paying one extra payment a year. Just one a year? Just one a year. That's great. And you spend it over 12 months, so it doesn't hurt that bad. So let's say if your mortgage is like $1,200, you pay another $100 a month.