 continue, at least on Wall Street, this story that earnings are going to be okay. They're not going to be okay. 22% of this economy is driven by residential multifamily home building and all of the ancillary assets that go with it, from title to mortgage to the builders, remodelers, the Home Depots, the Lowe's. I mean, you can continue that storyline all you want, where it's about $5 to $7 trillion that this economy is directly the results of home building or at least real estate. When you start to look at