 And that was because the Federal Reserve was doing the exact opposite of what they've been doing recently. They pushed rates down because they wanted to try to stimulate the economy during COVID. So this interest rate has gone. It's been a boomerang back and forth. But, yeah, if I tell people who ask me, well, should I just delay buying a house and say, well, yeah, if you can hold off because I think things will be better in 2025. But I don't see a lot of bright news on that front this year.