 Everything works for them. So they're anticipating all of this, knowing that that's coming at some point. Yep. And they're usually not wrong, by the way. Well, this is the largest wholesale mortgage bank in the country, so I wouldn't assume that they're wrong. They've got pretty good insight into what's going on. They know what they're doing. They don't have a crystal ball, but they're pretty close. And they've got the cash flow behind them to make that work.