 And even if we do see an interest rate cut in the near future, it's still not going to make much difference for these insurance companies because the bonds that they're purchasing might be slightly less profitable then than they are today because of an interest rate cut. But I don't think any reasonable person thinks that we're going to go back to 3% 30-year fixed mortgages any time in the near future, are we? In other words, to get that kind of rates back down to where they were and stayed there for over a decade...