 Don't go to your local bank for HELOC. Go to andrewandtodd.com. That's where you start. Finally, let me tell you about the sponsor who built my studio, relieffactor.com. And not only this studio, the studio inside the Beltway, the studio out west. I go out west occasionally to teach for three months at Chapman Law School. I'm a tenured member of the faculty there, and I've got to go teach con law.