 Persistent layoffs or people losing their jobs, people just struggling financially with their personal budgets. And just interest rates are high. Borrowing money is not the same as it used to be if you're an independent business owner. We have people that are in low mortgage rate homes that need to move or want to move, but they're hesitant to move because they don't want to jump into a high mortgage rate. And I'm not an expert on any of that, but these are the kind of frustrations and concerns that people are hearing.