 their place to raise their family, actually accrue equity as the appreciation over the 20, 30 years that they own it grows up and gives them. Basically, that has been the funding for most people's retirement years is their real estate. You hear it all the time. They're real estate poor. They can't buy groceries because they've got a million dollars worth of house, but they don't do it. So they have to borrow the money or do something with it.