 project a year from now, they, you know, that would be wonderful. We can't. So how can you take the information we have today and apply that to your circumstances for tomorrow? It might mean, you know, if you're in the middle of buying a house and interest rates are higher, it might mean you have to do something different on the other side to save money. Maybe you're not going out to eat as much. And, you know, so I think in order...