 Um, but if you're not saving at least a hundred dollars, uh, it's, I always say to wait, you know, you might only have a hundred thousand dollars, uh, loan size and a 1% may only save you $40. You know, to me, I'd rather you put that extra money, pay off your loan a little bit faster and do that versus a refinance. So, or maybe you only have eight years left. Well, I don't want to put you on a 10 year loan where now you're going backwards and even though your payment may be less. So,