 That's right. And it's always anybody's guess. Economists are the smartest people, right? And they're always split. They're always split when it comes to, gee, how many times the Fed's going to lower rates, when's the next reduction rates going to happen? They just don't know. And sometimes the bond market is the best indicator. They always say the bond market's smarter than the stock market. And why is that, Dave? Why do they say that?