 Guys, there's a lot of help out there. You gotta ask your agent. You gotta ask your loan officer. Figure out what options are there in your market. Take advantage of one, maybe two of them, and don't give up on home ownership. A great, great perspective, Sean. And I'd like to mention to people that a few years ago, I had a very good friend who was a volunteer at his area's down payment assistance program. And he told me he sat there every Saturday