 That's all about Fed funds rates, speculation. Let's go there. Jim LeCamp, what's your take on the Fed moving their target rates, 5.25, 5.5? Do they go in August? Do they wait September? Or do they wait, if they're smart, in my opinion, they'll wait until after the election. But what do you think? I think they'll do September, but I think the potential for mistake here is gigantic. Let's go back.