Okay.

So, you know, there is a fee that is associated with that along with everything else.

Um, so we could look at the two-one buydown.

Maybe we could take those funds and maybe not do the two-one buydown, but maybe just buy the rate down permanently where it's, you know, a lower interest rate.

So take a fee, buy that rate down, and then you're locked in for the 30 years at the lower rate.

Okay.

Um, we are looking at seller-paid closing cost.

So in a situation where the borrower may have only $10,000, let's say, to work with, you know, the seller helping pay the closing cost maybe will allow them to pay off debt with that money, you know, to, to increase their spending power.