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Additional incentive. foreclosure's going to cost more than actually to get this house off the books. >> what is -- and there's got to be a one. what's the downside for people short saling their home? a lot of people concerned about their credit, first of all. >> it'll take a big hit. almost like a foreclosure on your credit. >> just as big? >> it's going to read as a pre-foreclosure. but a lot of times it can drop your credit score 100 or 200 points. it's a hurt, but it's an alternative and a way to get out of the house instead of going through the whole foreclosure. >> and the $1,500, a lot ...