 Yeah, well, nobody's really got a crystal ball, but really they're predicting, I would say, that interest rates are going to stay higher in 2024, which is kind of bad news if you're looking to refinance a house or even purchase a house or maybe you're like, hey, I want to get like a travel trailer. And previously, a few years ago, you went and took it down to the credit union and got maybe like a lot better interest rate, like half off.