 And by the way, just get ready for it. I mean, I've been bemoaning, Vance, the fact that mortgage rates were 2.65 the day Joe took the oath of office. They are headed, we are very close to being triple the mortgage rate. And you say, well, that only matters to homebuyers. No, it matters to people who swing a hammer and a paintbrush and all the tools they use for putting up sheetrock. That's Vance Ginn at Ginn Economics, former chief economist at the Office of Management and Budget. Vance, it's always a pleasure.