 I'll be the first one. I have no idea if we're at the top of the housing market. We could be. The question that I have is, can I afford the payments every month even if rates don't come down? If I have job disruption, if I take out a loan right now, can I actually afford those payments or am I relying on being able to refinance five years from now, which is no guarantee? And then the second piece would be, do I actually plan to live here long term?