Before the global financial crisis, underwriting requirements were much looser than they had been in previous odd times. Dibby is very different. There is no debt. I am not lending you anything. You're an owner, your renter. It's one or the other. So we are buying the homes. The assets are being purchased fully by divy. We buy them with part equity and part debt. We are responsible ultimately for that debt. That is pure savings. That is not debt. Those savings are the same way that you can save and put your money into the s and p into a four o one k, into other things that ond and appreciate overtime. And...