 It drives so much of our business in terms of who we're serving. Are we serving the savers? Are we serving the borrowers, right? And so we went through a long stretch of time of serving our borrowers very, very well. And now we're serving our savers very, very well. And people are having to come to terms with these rates. But I think what's interesting to us is when are they going to change? And you can't predict that. And so being just...