 And this was all for the 3% spread that they made. Oh, 100%. And the guy selling it, he thinks he did him a favor. And he set his relative or his friend up for a complete fall. There's risk on that guy's part, too. He's got, I guess, these weird rental situations. The biggest risk is he could get foreclosed on if he can't come. Let's say the mortgage is $300,000, and they call the loan, and he can't get the house sold before they...