So, by now you're familiar with the concept of paying off your mortgage faster in as early as 5 to seven years using a line of credit such as a HELOC. And you've checked out our videos or maybe other videos on YouTube, but you're in the situation where you have a mortgage of 3%, 4%, or less in terms of the interest rate. And you're asking the question, does it make sense to get a HELOC that's at 7 or 8% right now to use that to pay down a mortgage at 3% or lower.