 Nope. You have to understand who your loan is with and what is important to getting to the closing table. Oh, we only got 45 seconds left and I haven't even started on that yet. So, Sandy, before we go any farther on that and we go into the next segment, I know we got stuff to do, but we got an hour. We'll get it. Do you think that ultimately, because I know it happens, loans are done without human contact?