It is Not Uncommon for a Long Balloon to Have a Longer Prepaid Period

It's not uncommon for a balloon with a, with a long balloon to have a longer prepay period. Uh, sometimes banks are specifically writing a long-term debt product because they want to lend that money for a long period of time. So you will see typically your prepayment penalties get longer with longer-term debt. They want that debt in place. That's part of how they're writing it. Um, so if you have a plan to refinance and buy out Partners in 5 years you probably don't really want a 15-year debt product, uh, because you're not planning on using the 15 years, and it might actually come with some restrictions. Um, so you're always going to balance that, but basically it's just the balancing act of what matches the deal that I'm doing the best. Always give yourself more time than you think you need. So if I'm financing partners out at year 5, my debt needs to be at least 7 years. So if I run into a problem at year 5, I have 2 more years to figure it out before the debt gets called due.