Those who own assets are more likely to have a higher now worth. But most of you aren't. You can lever up your home equity, right? And so you can take out debt that's cheap because it's backed and guaranteed by the government. 80 % leverage at what has been almost three percent cost of capital. No one else can get that sort of cost of capital at that sort of leverage. So despite the benefits of home ownership, it is starting to become inaccessible.