| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 30-40% of Owner Income ▼ | School District / Population |
| 1. | 18.8% | Sergeant Bluff-Luton Community School District / 5,997 |
| 2. | 16.7% | Camanche Community School District / 5,615 |
| 3. | 14.9% | Murray Community School District / 1,430 |
| 4. | 13.4% | Tri-County Community School District / 1,794 |
| 5. | 13.4% | Northeast Hamilton Community School District / 1,504 |
| 6. | 13.0% | Sigourney Community School District / 3,616 |
| 7. | 12.5% | Colfax-Mingo Community School District / 4,669 |
| 8. | 11.9% | Lake Mills Community School District / 3,806 |
| 9. | 11.6% | Sidney Community School District / 1,763 |
| 10. | 11.4% | Prescott Community School District / 654 |
| 11. | 11.1% | West Monona Community School District / 4,438 |
| 12. | 10.9% | Lamoni Community School District / 3,049 |
| 13. | 10.7% | Iowa Valley Community School District / 3,832 |
| 14. | 10.6% | Melcher-Dallas Community School District / 2,120 |
| 15. | 10.5% | Clarke Community School District / 7,970 |
| 16. | 10.4% | Belle Plaine Community School District / 3,160 |
| 17. | 10.3% | Dows Community School District / 926 |
| 18. | 10.2% | East Marshall Community School District / 3,657 |
| 19. | 10.1% | South Hamilton Community School District / 3,759 |
| 20. | 9.7% | West Lyon Community School District / 4,649 |
| 21. | 9.7% | North Linn Community School District / 3,624 |
| 22. | 9.5% | West Bend-Mallard Community School District / 1,911 |
| 23. | 9.5% | Winterset Community School District / 9,165 |
| 24. | 9.3% | Saydel Community School District / 7,968 |
| 25. | 9.2% | Harlan Community School District / 9,058 |
| 26. | 9.2% | Valley Community School District / 3,063 |
| 27. | 9.2% | Odebolt-Arthur Community School District / 2,237 |
| 27. | 9.2% | Ruthven-Ayrshire Community School District / 1,593 |
| 29. | 9.2% | Boone Community School District / 14,545 |
| 30. | 9.0% | Calamus-Wheatland Community School District / 2,420 |
| 31. | 8.8% | A-H-S-T Community School District / 3,050 |
| 32. | 8.8% | Winfield-Mount Union Community School District / 1,815 |
| 33. | 8.7% | Collins-Maxwell Community School District / 2,624 |
| 34. | 8.6% | Tri-Center Community School District / 3,507 |
| 34. | 8.6% | Guthrie Center Community School District / 2,813 |
| 36. | 8.5% | Muscatine Community School District / 29,260 |
| 36. | 8.5% | Bedford Community School District / 3,158 |
| 38. | 8.5% | Indianola Community School District / 19,809 |
| 39. | 8.3% | West Hancock Community School District / 4,261 |
| 39. | 8.3% | Central City Community School District / 2,758 |
| 41. | 8.2% | Graettinger Community School District / 2,211 |
| 42. | 8.2% | Iowa Falls Community School District / 6,886 |
| 42. | 8.2% | Name N/A / 1,421 |
| 44. | 8.1% | Springville Community School District / 2,421 |
| 45. | 8.1% | Clearfield Community School District / 662 |
| 46. | 8.0% | Bennett Community School District / 1,215 |
| 47. | 8.0% | West Burlington Independent School District / 2,853 |
| 48. | 7.9% | Ottumwa Community School District / 28,755 |
| 49. | 7.9% | Clear Lake Community School District / 8,664 |
| 50. | 7.9% | Hampton-Dumont Community School District / 7,027 |
| 51. | 7.9% | Wayne Community School District / 3,986 |
| 52. | 7.8% | Eastern Allamakee Community School District / 2,670 |
| 52. | 7.8% | Treynor Community School District / 2,990 |
| 54. | 7.7% | Centerville Community School District / 9,023 |
| 55. | 7.7% | Denison Community School District / 10,164 |
| 56. | 7.7% | Fremont Community School District / 1,058 |
| 57. | 7.7% | Anamosa Community School District / 9,281 |
| 58. | 7.6% | Stratford Community School District / 1,221 |
| 59. | 7.6% | West Marshall Community School District / 4,567 |
| 60. | 7.6% | Clarksville Community School District / 2,108 |
| 61. | 7.6% | Shenandoah Community School District / 6,309 |
| 62. | 7.5% | Eldora-New Providence Community School District / 3,785 |
| 63. | 7.5% | Bellevue Community School District / 4,841 |
| 64. | 7.4% | Central Decatur Community School District / 4,291 |
| 64. | 7.4% | Madrid Community School District / 3,349 |
| 66. | 7.4% | AGWSR Community School District / 4,803 |
| 67. | 7.4% | Hamburg Community School District / 1,634 |
| 68. | 7.4% | West Sioux Community School District / 4,130 |
| 69. | 7.3% | Bondurant-Farrar Community School District / 6,812 |
| 70. | 7.2% | New London Community School District / 2,882 |
| 70. | 7.2% | Wall Lake View Auburn Community School District / 5,840 |
| 72. | 7.2% | Davenport Community School District / 106,768 |
| 73. | 7.1% | Oelwein Community School District / 9,113 |
| 74. | 7.1% | Janesville Consolidated School District / 2,476 |
| 75. | 7.1% | Columbus Community School District / 4,712 |
| 76. | 7.0% | Alburnett Community School District / 3,789 |
| 77. | 7.0% | Clay Central-Everly Community School District / 2,177 |
| 77. | 7.0% | Starmont Community School District / 4,089 |
| 79. | 6.9% | Southern Cal Community School District / 2,907 |
| 80. | 6.8% | Carroll Community School District / 14,182 |
| 81. | 6.7% | Allamakee Community School District / 8,769 |
| 81. | 6.7% | Rockwell City-Lytton Community School District / 3,410 |
| 83. | 6.7% | Postville Community School District / 3,748 |
| 84. | 6.7% | Webster City Community School District / 9,969 |
| 85. | 6.7% | Dike-New Hartford Community School District / 4,438 |
| 86. | 6.6% | Highland Community School District / 4,060 |
| 87. | 6.6% | MFL MarMac Community School District / 5,639 |
| 87. | 6.6% | North Central Community School District / 5,591 |
| 89. | 6.6% | North Winneshiek Community School District / 2,124 |
| 90. | 6.5% | Southeast Polk Community School District / 31,352 |
| 91. | 6.5% | North Tama County Community School District / 3,006 |
| 92. | 6.5% | Mount Ayr Community School District / 4,167 |
| 93. | 6.5% | Seymour Community School District / 2,322 |
| 94. | 6.4% | Armstrong-Ringsted Community School District / 2,238 |
| 95. | 6.4% | Exira Community School District / 1,770 |
| 96. | 6.4% | St. Ansgar Community School District / 4,057 |
| 97. | 6.3% | Elk Horn-Kimballton Community School District / 1,526 |
| 97. | 6.3% | Glenwood Community School District / 11,050 |
| 99. | 6.3% | Humboldt Community School District / 7,490 |
| 100. | 6.2% | Southeast Warren Community School District / 3,204 |
| 101. | 6.2% | Union Community School District / 6,821 |
| 102. | 6.2% | Pekin Community School District / 3,896 |
| 103. | 6.2% | Logan-Magnolia Community School District / 3,094 |
| 103. | 6.2% | Andrew Community School District / 1,651 |
| 105. | 6.2% | Garner-Hayfield Community School District / 3,825 |
| 106. | 6.1% | Sheldon Community School District / 7,300 |
| 107. | 6.1% | Villisca Community School District / 2,221 |
| 108. | 6.1% | Corning Community School District / 2,877 |
| 109. | 6.0% | Pocahontas Area Community School District / 3,545 |
| 110. | 6.0% | Maple Valley Community School District / 2,868 |
| 110. | 6.0% | Red Oak Community School District / 7,016 |
| 112. | 6.0% | Chariton Community School District / 8,372 |
| 112. | 6.0% | Harmony Community School District / 2,668 |
| 114. | 5.9% | Perry Community School District / 9,525 |
| 114. | 5.9% | Carlisle Community School District / 8,501 |
| 116. | 5.9% | Clinton Community School District / 26,242 |
| 116. | 5.9% | East Central Community School District / 2,115 |
| 118. | 5.9% | Knoxville Community School District / 11,527 |
| 119. | 5.9% | Kingsley-Pierson Community School District / 2,621 |
| 120. | 5.9% | Northeast Community School District / 2,976 |
| 121. | 5.8% | Le Mars Community School District / 13,292 |
| 122. | 5.8% | Nashua-Plainfield Community School District / 4,098 |
| 123. | 5.8% | Des Moines Independent Community School District / 203,403 |
| 124. | 5.7% | Pomeroy-Palmer Community School District / 1,575 |
| 125. | 5.7% | Moravia Community School District / 2,305 |
| 126. | 5.7% | Rudd-Rockford-Marble Rock Community School District / 3,091 |
| 127. | 5.7% | Lewis Central Community School District / 15,042 |
| 128. | 5.7% | North Kossuth Community School District / 2,392 |
| 129. | 5.7% | Ballard Community School District / 7,383 |
| 130. | 5.6% | Delwood Community School District / 1,190 |
| 131. | 5.6% | BCLUW Community School District / 3,495 |
| 132. | 5.6% | Lisbon Community School District / 2,910 |
| 133. | 5.5% | Emmetsburg Community School District / 5,062 |
| 134. | 5.5% | Sioux Central Community School District / 2,831 |
| 135. | 5.5% | Edgewood-Colesburg Community School District / 2,993 |
| 135. | 5.5% | Northwood-Kensett Community School District / 3,059 |
| 137. | 5.5% | Algona Community School District / 9,227 |
| 138. | 5.5% | Moulton-Udell Community School District / 1,576 |
| 139. | 5.5% | North Cedar Community School District / 5,092 |
| 139. | 5.5% | South Page Community School District / 1,448 |
| 141. | 5.5% | East Union Community School District / 3,265 |
| 142. | 5.4% | West Delaware County Community School District / 9,416 |
| 143. | 5.4% | Pleasantville Community School District / 3,401 |
| 144. | 5.4% | Prairie Valley Community School District / 4,045 |
| 145. | 5.4% | West Central Valley Community School District / 5,683 |
| 145. | 5.4% | Sheffield Chapin Meservey Thornton Community School District / 4,835 |
| 147. | 5.4% | Sibley-Ocheyedan Community School District / 4,760 |
| 148. | 5.3% | South Tama County Community School District / 8,893 |
| 148. | 5.3% | Iowa City Community School District / 106,668 |
| 150. | 5.3% | Atlantic Community School District / 8,481 |
| 151. | 5.2% | Western Dubuque Community School District / 21,364 |
| 151. | 5.2% | Dallas Center-Grimes Community School District / 10,585 |
| 153. | 5.2% | North Fayette Community School District / 6,092 |
| 154. | 5.2% | Maquoketa Community School District / 8,924 |
| 154. | 5.2% | Davis County Community School District / 8,532 |
| 156. | 5.1% | George-Little Rock Community School District / 2,578 |
| 157. | 5.1% | Mount Pleasant Community School District / 12,932 |
| 158. | 5.1% | Forest City Community School District / 6,688 |
| 159. | 5.1% | Brooklyn-Guernsey-Malcom Community School District / 3,210 |
| 160. | 5.0% | Earlham Community School District / 3,209 |
| 161. | 5.0% | Panorama Community School District / 4,443 |
| 161. | 5.0% | Grundy Center Community School District / 3,870 |
| 163. | 5.0% | Anthon-Oto Community School District / 1,741 |
| 164. | 5.0% | Gilmore City-Bradgate Community School District / 1,015 |
| 165. | 5.0% | Cedar Rapids Community School District / 119,948 |
| 166. | 4.9% | Preston Community School District / 1,901 |
| 166. | 4.9% | Orient-Macksburg Community School District / 1,258 |
| 168. | 4.9% | Woodward-Granger Community School District / 5,062 |
| 169. | 4.9% | Riceville Community School District / 2,813 |
| 170. | 4.9% | Nodaway Valley Community School District / 4,188 |
| 171. | 4.8% | Turkey Valley Community School District / 3,049 |
| 171. | 4.8% | Missouri Valley Community School District / 5,042 |
| 171. | 4.8% | Mediapolis Community School District / 5,026 |
| 174. | 4.8% | Monticello Community School District / 6,540 |
| 175. | 4.7% | Maquoketa Valley Community School District / 4,495 |
| 176. | 4.7% | Eagle Grove Community School District / 4,701 |
| 177. | 4.7% | South Winneshiek Community School District / 4,437 |
| 178. | 4.7% | Adair-Casey Community School District / 2,049 |
| 179. | 4.7% | Stanton Community School District / 1,189 |
| 179. | 4.7% | Lone Tree Community School District / 2,972 |
| 181. | 4.6% | Remsen-Union Community School District / 3,069 |
| 182. | 4.6% | Osage Community School District / 5,904 |
| 183. | 4.6% | Waterloo Community School District / 77,879 |
| 183. | 4.6% | Charles City Community School District / 11,307 |
| 185. | 4.6% | Council Bluffs Community School District / 60,187 |
| 186. | 4.5% | Decorah Community School District / 11,717 |
| 187. | 4.5% | Adel-De Soto-Minburn Community School District / 8,103 |
| 188. | 4.5% | Galva-Holstein Community School District / 2,763 |
| 189. | 4.4% | Southeast Webster-Grand Community School District / 3,565 |
| 190. | 4.4% | Gladbrook-Reinbeck Community School District / 4,464 |
| 191. | 4.4% | Schaller-Crestland Community School District / 2,241 |
| 192. | 4.3% | Coon Rapids-Bayard Community School District / 2,810 |
| 193. | 4.3% | Sumner Community School District / 3,342 |
| 194. | 4.2% | Boyer Valley Community School District / 2,817 |
| 195. | 4.2% | Mormon Trail Community School District / 1,729 |
| 196. | 4.2% | Burlington Community School District / 29,950 |
| 197. | 4.2% | C and M Community School District / 3,263 |
| 198. | 4.2% | Estherville Lincoln Central Community School District / 8,093 |
| 199. | 4.1% | Spencer Community School District / 12,976 |
| 200. | 4.1% | Griswold Community School District / 3,410 |
| 201. | 4.1% | Eddyville-Blakesburg Community School District / 3,871 |
| 201. | 4.1% | Aurelia Community School District / 1,691 |
| 203. | 4.1% | Walnut Community School District / 1,280 |
| 204. | 4.1% | Clayton Ridge Community School District / 4,952 |
| 205. | 4.0% | Riverside Community School District / 3,751 |
| 206. | 4.0% | Interstate 35 Community School District / 4,746 |
| 206. | 4.0% | Fort Dodge Community School District / 29,326 |
| 208. | 4.0% | Sioux City Community School District / 83,093 |
| 208. | 4.0% | North Polk Community School District / 6,518 |
| 210. | 3.9% | Glidden-Ralston Community School District / 2,078 |
| 211. | 3.9% | Linn-Mar Community School District / 36,660 |
| 212. | 3.9% | Lenox Community School District / 1,919 |
| 213. | 3.8% | Spirit Lake Community School District / 8,262 |
| 214. | 3.8% | Marion Independent School District / 11,702 |
| 214. | 3.8% | Wapello Community School District / 3,532 |
| 216. | 3.8% | New Hampton Community School District / 7,244 |
| 217. | 3.8% | Fairfield Community School District / 15,380 |
| 218. | 3.8% | Harris-Lake Park Community School District / 1,928 |
| 219. | 3.8% | Sentral Community School District / 1,138 |
| 220. | 3.8% | Mason City Community School District / 28,931 |
| 220. | 3.8% | Clear Creek-Amana Community School District / 11,260 |
| 222. | 3.7% | Akron-Westfield Community School District / 3,235 |
| 223. | 3.7% | South O'Brien Community School District / 4,843 |
| 224. | 3.7% | Nevada Community School District / 8,187 |
| 224. | 3.7% | Underwood Community School District / 3,784 |
| 226. | 3.7% | Twin Rivers Community School District / 1,206 |
| 226. | 3.7% | Washington Community School District / 9,965 |
| 226. | 3.7% | Name N/A / 1,588 |
| 229. | 3.7% | Cherokee Community School District / 6,485 |
| 230. | 3.7% | Central Clinton Community School District / 9,305 |
| 230. | 3.7% | Storm Lake Community School District / 12,279 |
| 232. | 3.6% | North Scott Community School District / 15,310 |
| 233. | 3.6% | Pella Community School District / 15,525 |
| 234. | 3.6% | West Des Moines Community School District / 65,061 |
| 234. | 3.6% | Howard-Winneshiek Community School District / 8,729 |
| 236. | 3.6% | North Iowa Community School District / 3,286 |
| 237. | 3.5% | Schleswig Community School District / 1,649 |
| 238. | 3.4% | Ar-We-Va Community School District / 2,156 |
| 239. | 3.4% | Titonka Consolidated School District / 888 |
| 240. | 3.4% | Waco Community School District / 3,213 |
| 241. | 3.4% | Mid-Prairie Community School District / 8,815 |
| 241. | 3.4% | Newton Community School District / 21,168 |
| 243. | 3.4% | West Liberty Community School District / 6,173 |
| 244. | 3.3% | Farragut Community School District / 1,636 |
| 245. | 3.3% | Johnston Community School District / 30,545 |
| 246. | 3.3% | Lu Verne Community School District / 479 |
| 247. | 3.3% | Oskaloosa Community School District / 15,898 |
| 248. | 3.3% | Durant Community School District / 3,289 |
| 249. | 3.2% | Charter Oak-Ute Community School District / 1,895 |
| 250. | 3.2% | Albia Community School District / 7,346 |
| 251. | 3.2% | Norwalk Community School District / 11,270 |
| 252. | 3.2% | Marshalltown Community School District / 30,646 |
| 253. | 3.2% | Westwood Community School District / 2,738 |
| 254. | 3.1% | Keokuk Community School District / 12,795 |
| 255. | 3.1% | Dubuque Community School District / 75,820 |
| 255. | 3.1% | Cardinal Community School District / 4,419 |
| 257. | 3.0% | Independence Community School District / 8,881 |
| 258. | 3.0% | Laurens-Marathon Community School District / 2,197 |
| 259. | 3.0% | Ventura Community School District / 1,727 |
| 259. | 3.0% | PCM Community School District / 5,079 |
| 261. | 3.0% | West Harrison Community School District / 2,996 |
| 262. | 3.0% | Whiting Community School District / 1,101 |
| 263. | 3.0% | Alta Community School District / 2,762 |
| 264. | 2.9% | Clarinda Community School District / 7,422 |
| 265. | 2.9% | United Community School District / 2,090 |
| 265. | 2.9% | Okoboji Community School District / 6,337 |
| 265. | 2.9% | IKM Community School District / 4,746 |
| 265. | 2.9% | Mount Vernon Community School District / 6,558 |
| 269. | 2.8% | Solon Community School District / 6,561 |
| 270. | 2.8% | Vinton-Shellsburg Community School District / 10,549 |
| 271. | 2.8% | Newell-Fonda Community School District / 2,452 |
| 272. | 2.7% | West Branch Community School District / 4,163 |
| 272. | 2.7% | Urbandale Community School District / 21,268 |
| 274. | 2.7% | Rock Valley Community School District / 4,785 |
| 275. | 2.7% | Creston Community School District / 9,577 |
| 276. | 2.7% | Tripoli Community School District / 2,611 |
| 277. | 2.7% | H-L-V Community School District / 2,162 |
| 277. | 2.7% | Central Lee Community School District / 5,597 |
| 279. | 2.7% | Jefferson-Scranton Community School District / 6,151 |
| 280. | 2.6% | Woden-Crystal Lake Community School District / 882 |
| 281. | 2.6% | Baxter Community School District / 1,895 |
| 282. | 2.6% | Bettendorf Community School District / 22,145 |
| 282. | 2.6% | Van Buren Community School District / 5,312 |
| 284. | 2.6% | Clarion-Goldfield Community School District / 4,898 |
| 285. | 2.6% | Lawton-Bronson Community School District / 3,245 |
| 286. | 2.6% | Wapsie Valley Community School District / 3,925 |
| 287. | 2.5% | Lynnville-Sully Community School District / 3,152 |
| 288. | 2.5% | Cal Community School District / 1,833 |
| 289. | 2.5% | Martensdale-St. Marys Community School District / 2,649 |
| 289. | 2.5% | Malvern Community School District / 3,346 |
| 291. | 2.4% | Colo-Nesco Community School District / 3,186 |
| 291. | 2.4% | Aplington-Parkersburg Community School District / 4,144 |
| 293. | 2.4% | River Valley Community School District / 2,720 |
| 294. | 2.4% | Pleasant Valley Community School District / 20,478 |
| 295. | 2.3% | Corwith-Wesley Community School District / 1,055 |
| 296. | 2.3% | Diagonal Community School District / 686 |
| 296. | 2.3% | Ankeny Community School District / 49,867 |
| 298. | 2.3% | Danville Community School District / 2,580 |
| 299. | 2.3% | Fredericksburg Community School District / 1,676 |
| 300. | 2.2% | Battle Creek-Ida Grove Community School District / 3,919 |
| 301. | 2.2% | Fort Madison Community School District / 17,063 |
| 302. | 2.1% | Marcus-Meriden-Cleghorn Community School District / 2,750 |
| 303. | 2.1% | Morning Sun Community School District / 1,475 |
| 303. | 2.1% | College Community School District / 23,841 |
| 305. | 2.1% | Cedar Falls Community School District / 40,441 |
| 305. | 2.1% | Tipton Community School District / 5,143 |
| 307. | 2.0% | Olin Consolidated School District / 1,540 |
| 308. | 2.0% | Center Point-Urbana Community School District / 5,773 |
| 308. | 2.0% | Hudson Community School District / 3,494 |
| 310. | 1.9% | East Buchanan Community School District / 3,047 |
| 311. | 1.9% | MOC-Floyd Valley Community School District / 11,292 |
| 311. | 1.9% | Ogden Community School District / 3,806 |
| 313. | 1.9% | Denver Community School District / 3,669 |
| 313. | 1.9% | Grinnell-Newburg Community School District / 12,522 |
| 315. | 1.9% | East Greene Community School District / 1,736 |
| 316. | 1.9% | Montezuma Community School District / 3,465 |
| 316. | 1.9% | Benton Community School District / 9,021 |
| 318. | 1.7% | Waverly-Shell Rock Community School District / 13,637 |
| 319. | 1.7% | Dunkerton Community School District / 2,285 |
| 320. | 1.6% | Williamsburg Community School District / 6,098 |
| 320. | 1.6% | Twin Cedars Community School District / 2,478 |
| 322. | 1.6% | Midland Community School District / 3,628 |
| 323. | 1.6% | Allison-Bristow Community School District / 3,963 |
| 324. | 1.5% | English Valleys Community School District / 2,912 |
| 325. | 1.5% | Keota Community School District / 1,995 |
| 326. | 1.5% | Paton-Churdan Community School District / 1,135 |
| 327. | 1.5% | Audubon Community School District / 3,482 |
| 328. | 1.5% | Ames Community School District / 56,587 |
| 329. | 1.4% | Boyden-Hull Community School District / 4,055 |
| 330. | 1.4% | Central Community School District / 3,451 |
| 331. | 1.3% | Hubbard-Radcliffe Community School District / 2,738 |
| 332. | 1.3% | Hinton Community School District / 2,904 |
| 333. | 1.2% | Hartley-Melvin-Sanborn Community School District / 4,054 |
| 334. | 1.2% | Wilton Community School District / 4,192 |
| 335. | 1.2% | Gilbert Community School District / 6,573 |
| 336. | 1.1% | Manson Northwest Webster Community School District / 4,203 |
| 337. | 1.0% | Jesup Community School District / 5,555 |
| 338. | 1.0% | Woodbine Community School District / 2,484 |
| 339. | 0.8% | Van Meter Community School District / 3,162 |
| 340. | 0.8% | Woodbury Central Community School District / 2,879 |
| 341. | 0.7% | Belmond-Klemme Community School District / 4,289 |
| 342. | 0.5% | Central Lyon Community School District / 4,211 |
| 343. | 0.5% | North Mahaska Community School District / 2,954 |
| 344. | 0.5% | Roland-Story Community School District / 5,841 |
| 345. | 0.2% | Louisa-Muscatine Community School District / 4,777 |
Please note that we only rank locations with 'Percentage of Houses without a Mortgage where Total Holding Costs 30-40% of Owner Income' data. The rank above might not be a complete list. Locations without 'Percentage of Houses without a Mortgage where Total Holding Costs 30-40% of Owner Income' data are not listed.
*ACS stands for U.S. Census American Community Survey. According to the U.S. Census, if the date is a range, you can interpret the data as an average of the period of time.
