 as opposed to telling you you've got to pay it back anyway. I know the IRS looks at that as income. They'll say, well, you just made 50 grand. And you say, no, I didn't. I lost my house because I couldn't make the payments. And they say, yes, but you were forgiven of a $50,000 debt. You have to pay taxes on it. And since the average effective tax rate for Americans is about 20%, 20% of 50 grand is some serious cash, isn't it?