 Where the Federal Reserve, where money's at, the cost of money, they should be trying to get all these off their books. They don't care yet. You know when they will care? Like 10 years from now. That's when the amortization schedule starts shifting in a 30-year mortgage to favor the consumer. Until then, the bank's making gravy whether it's at 1% or 2%. Now the average American moves every five to six years. So it's like, who cares?