 Well, I know I just alluded to that in private conversations with the president, who, of course, is thinking about the role of interest rates, particularly in housing and mortgages. But we don't get into the Fed's knitting here. What I would say is that if you listen to Chair Powell, or I heard a speech from Governor Cook from the Fed board recently, they're talking a lot about the kinds of dynamics that we see reflected in this report.