 So what happens is you get somebody into that. You realize that the difference in buying a house and buying an apartment is when you're renting an apartment, when you rent an apartment, you're paying with after-tax dollars. So basically, the $1,000 you paid there, you need to make $1,300 to pay the $1,000 that's there. Well, none of those are inexpensive apartments. They're all $2,000 or $3,000. So what does that do? For the young working folks, it takes away a disproportionate amount of their monthly income and doesn't allow them the ability to save so that they could own