 a few days before the closing, oh, we don't have clear to close. We hate to hear that, no clear to close. That causes a lot of problems in the process. So I would say that's the biggest thing. All right, our phone number's on your screen. Our phone lines are open. And Margie in Myrtle Beach is taking advantage of our panel here today with Real Estate Law. Margie, thanks for calling in. What's your question for the panel today? Hi, thank you. I took a document to a bank to be notarized