 We believe that rates are going to go down. More people are going to want to access their equity because they're going to be able to do it cheaper because interest rates are going to go down. And yes, you basically have an opportunity to access whether it's $10,000 to $50,000. In general terms, by the way, taking $50,000 out of your home costs about $400 a month. So you can access a lot of money for a very small payment if you're interested in doing that. And it's certainly something that should be on a lot of people's minds given the economic circumstances we're in right now.