 And you tell the bank to put that directly towards principal. And that's how fast it comes down. Same with car loans. Same with any kind of loan. Make sure you tell the person you're borrowing from you want that money applied towards the principal, though, not future interest. Because they're more than happy to pay you. Oh, they would love that. Because they're really never paying off the principal when you're paying to future interest. It's true. Very good point. If you really want to have this explained, we're more than happy to help you with that, too.