 It is, Ralph. It's a great time of year. We've got farmers cutting hay, we've got kids filling up the swimming pools, and our parks are abundant and beautiful. Ah, very good. Great time of the year. Well, financially, though, let's talk about what's happening with our interest rates midway through the year. Alan, what are you seeing on the horizon of interest rates? Ralph, as you know, interest rates are pretty much controlled by the Federal Reserve, and