 That's a big concern. There's some talk about, okay, are they going to lower rates once this year or maybe twice? Now, remember, going back to the end of last year, they were saying, gosh, we might have a half dozen or eight rate decreases this year. And now we're arguing whether it's going to be one or two. But you're right, because the Fed took so long, they were kind of caught flat-footed to raise rates, even when they knew inflation was here.