 So specifically, I have one bank that's already come out, and they've already lowered the rate to half a point. Okay. Which means they'll do the loan, they'll use their own money, and they'll sit on it until September when the rates actually go down to that. So they're trying to get ahead of it and sell loans on the front side. That's right. They want to be out in front of everybody to do that. It doesn't hurt them because they know it's coming. Right.