 So it's advantageous. So they're basically anticipating the move, getting in front of it, trying to gain customers now versus down the road. Where the rate was 6.7, we're down to 6 to 6.25. On FHA or VA, we were at 6.25. We're at 5.75. So they've already kicked in that half a point. And then if you do the loan, it takes 20, 30 days to do the loan.