 qualify for that one after that date. If you don't qualify, if you have grad loans and they're all not qualified, it's just, it's a, and you call someone, you ask for help and no one seems to know. And, you know, you just kind of turn around and go, well, I guess everybody's in this crazy boat. You know, every other type of loan that you have has a specific interest rate that only changes if you refinance or it's variable, which means it changes based on some other thing, right? Like it's attached to some market.