 Great indicator for that is the 10-year Treasury yield for the U.S. Treasury bond, which is now down below 4.2% this morning. And that was hovering close to 4.5% not too long ago. So if you want to see where the markets are indicating, where they think interest rates are going, the fixed income market is a great place to look. And you're right. If we see rate cuts, that would give a bit of a boon for the mortgage industry for sure.