 and you're a lifetime renter, the chances of you having a sizable estate by the time your retirement years approach so that you can afford for extended health care or whatever it may be at that time or your retirement is basically gone. I think it was a national study done some years ago that said a renter's total estate at 55 or 60 years of age is $5,000 and a property owner's is $200,000. That's a pretty dramatic swing.