 to pay. They still have to keep the lights on. They still have transportation they got to pay for. They still got heating and gas bills. I got a couple of college-age kids. They don't live in the house anymore. I still got to pay the mortgage on the two bedrooms they exited. I can't just go to the bank and say, hey, listen, I got two kids that aren't in the home anymore. Cut my mortgage by a third. It doesn't work that way for mortgages. It doesn't work that way for school district budgets. So this is a real problem. And it's something