 There's just not a lot of inventory in the market. And so the only game in town right now is on the new housing side, which is why home builders have done so well over the past, say, 18 months, is because they're able to build new homes, bring inventory to the market. They can also oftentimes offer home builder financing, which is better than what a lot of homeowners or home buyers can get with banks or traditional lenders. And so...