We're going to talk a little bit about the pros and cons, the mechanics, what a refinance is, what a cash-out refinance is. Now, we did a video before, discussing a little bit about the cash-out refinance. The best thing to do when talking about cash-out refinance is to break that down to its simplest form—and that’s just the refinance of a home. Or he could do something called a cash-out refinance and utilize a line of credit—or a home equity line of credit. I just want to kind of give you an idea at a high level of what a cash-out refinance is.