 They're all things that you do need. You do need a survey. You do need an appraisal. You do need title insurance. You do need to set up your escrow account. All those things are fine. There's nothing wrong with them. But when you add them all up, you kind of get a sticker shock moment. You go, they're ripping me off of these closing costs. And no, not really. You just got to know what they are.