Got it, I think. Building is 50/50. So, same scenario, 100k down split 75/25 37.5% building 37.5% draw 12.5% land 12.5% draw credit bank for the whole 100K It balances out. I had to noodle on that for a while before I got it. I've never accounted for anything before in my life so I'm slow on the uptake over here.