 They own the house, so they're not going to buy something that's going to drastically fall in value or needs a lot of repair because that's just not the business they're in. Correct, and especially if it's a loan where it's a 95% or 97% loan, which, again, there's still a lot of them out there, even after 2008 happened. There's still plenty of loans out there for first-time homebuyers and others that require a very small percent down. And so the lenders know that if...