 Wow. Okay. So pay attention to variable rates, lock in savings rates, and number three on the list, put off large purchases. How come? Okay. So this isn't something, this isn't like a hard and fast rule, but if you're planning a major purchase like a home or a car, then it could pay to wait since we're going to see lower interest rates ahead, which could reduce the cost of financing. But it's a little bit of a double-edged sword. Like