 You may be looking at your house value and it's down. It may be up. Not all areas are created equal and not all houses are created equal. Third segment, we're going to have Austin Darby on Main Street Insurance. He's going to give you a lot of good info. We've seen prices come down in insurance. I saved some money actually from last year to this year. So things are actually getting some relief in the insurance market. We always do the good, the bad. Bad is no matter what you read in the news, this whole deal of, oh, rates dipped, rates dipped. It's higher for longer.