 sort of just simplifies the process for you to access capital that you've created within your property. So using your numbers, you reach the 1.5 billion grand bond against a million, a purchase of a property. You only need a million grand bond from the bank and you'll be paying your repayments on that million basis. But if you then want to access at a later stage the 500,000 range, you can do that quite easily without getting that second set of attorneys involved and the transferring attorneys. You can use the bank to access that.