 it's already, you know, at least 10%, if not 20% higher than it was in 2020. And so, again, it's that double whammy. And then you add in the fact of inflation with food costs and clothing and gas, and it really puts a dent into what people can actually afford and their debt-to-income ratios to be able to qualify for a loan. Yeah, and you're so right. There's so many factors going on here. But I could not agree with you more. We started the year with the hope