 And is it typical of a residential loan in which you have to kick in some of the money, right, as a down payment? Yes. Yes. Most of the time you're looking at at least 25% down or more. I see. Well, Sam, we still have a lot more to talk about when it comes to buying land. Can you join us again in the next hour of Real Estate Today? You bet. Thank you, Sam. We'll talk to you then.