 Yeah, that's exactly right. I mean, once the Fed cuts rates, it's going to be, you know, it's going to be very incremental. We're looking at possibly a quarter of a point. We've seen credit card rates jump. So one quarter point cut isn't going to make a significant difference. You will see your APR go down within a billing cycle or two. But even then, it's only off of extremely high levels. I mean, credit card rates have been near a record high.