 You're going to build some equity by paying into the principal. The properties hopefully appreciate. But let me introduce you. Dave Gregg, are you there this morning? Yes, I am. There you go. Dave, you're in the real estate business. And just a little bit of time to talk to him and introduce you, your business. And then I'll lead the way on talking about where real estate is right now. But just a little bit about you, if you don't mind.