 I could tell you one thing they could do. Most multifamily properties, even two to four units, something that a dentist or a doctor would buy to avoid the stock market risk, they're financed through Fannie Mae or Freddie Mac. So it's like everything they do with the credit card companies. They could say, well, if you take a Fannie Mae or Freddie Mac mortgage, you can't do it unless you create a cap rents.