 Well, and if you think about it, it actually makes sense that the bank wants to make sure that your roof has at least five years left and some of the other issues that they look at because they technically own that house. I mean, you're paying it back over a 10, 15, 30-year period of time, but they own the house, so they're not going to buy something that's going to drastically fall in value or needs a lot of repair because that's just not the business they're in. Correct, and especially if it's a loan where it's a 95% or 97% loan, which...