 To me, it was like my dad told me when my wife and I bought our first house, and we didn't have enough to get past. I mean, we had a down payment, but we were going to be under the 80% loan-to-value, so we're going to have to pay PMI insurance, right? And so my dad and my mom, but my dad gave the loan to me. It was just so that we could get to that 80-20 loan-to-value, and we weren't paying the PMI. He said, 0% interest, 100% love.