The crazy part is, over two-thirds of the population thinks you have to have 15% or more down. And what have we learned about that, John?

The great thing is, we're trying to get rid of that myth that's out there. And the reality is, there are seven hundred 100% financing programs here in Utah that we use all the time. There are also 29 grants that people can use to get into a house, basically, for $1,000 or less in most cases.