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Mike: Yeah, but even the ones that are 30 and 40 year fixed, they still don't reduce that principal so you still have this glaring problem. You know, that someday you're going to want to move from this house and you can't. You can't sell it.
Ryan: Yeah.
Mike: So, it puts off--
Ryan: So it's a band aid in that regard. We think there's going to be more and more programs out there in the coming years to address principal reductions because we believe it's a matter of facts that you know, $200,000, $300,000 is evaporated from everyone's home. And we're going to have to address it across the board. Not anymore one on one type thing.
