 So do you think this is an affordability issue? Yes, I do. You've got a certain percentage of people out of the housing market. And Jake, you know, I've talked to you about that assumption company that I have. And I will tell you, we have the largest number of sales inside that company right now. I believe we have 80 some inside there where people are trying to do assumptions because in a lot of cases, the buyers cannot afford the rates where they're at.