 Welcome back to the show. T.J. Smith here. So if you're a Baltimore resident, you know these taxes are a little off the hook here. It changes where you're going to buy a house. It changes if you're going to buy a house. It changes how much house you're going to buy. Think about it. You're shopping around for interest rates. If I can get 5.75 versus 6%, I'm going to take that.