 And they've also took a $50,000 loan against a mutual fund and IRA-type things. They reported assets between $1 and $2.6 million and liabilities of only $850,000. And every time they did it, there'd have to be thousands of dollars in charges, right? I think I've refinanced once or twice. It's about $4,000 to $5,000. Maybe they're all waived.