 Really, the problem hasn't been fixed. And part of the problem is the Fed had raised short-term interest rates, and that's why the regional banks are struggling so much. So far, it's been a little quiet on that, but we could have another round of regional bank failures, and that would cause the Fed to maybe have to drop rates significantly. Or geopolitical. We get pulled into a war of some sort. That's always a wild card, and you don't need me to tell you there's a lot of crazy stuff going on right now around the world.