 I've got a 30%, 35% chance they'll do it July. If the numbers keep going the way they were, I think they might do it. I'm in on the half a point in September. And I'm watching banks make changes to already start picking it up. So when you say they're making changes on the mortgage ends of things, what do you mean by that? The banks, when they understand that the feds are going to lower the rate, they know that their rates are going to go down.