 these punitive high short-term interest rates. And then the question becomes, how much does the Fed really concern themselves with the labor market? Labor markets are starting to weaken. They're not weak, but they're starting to weaken. And if it starts to pick up momentum, then we could see the unemployment rate really start to jump. So I think the Fed will lower rates in September. The probability now is almost 80% on Wall Street and the futures market. So I think you start to get rate cuts.