 So if someone has a mortgage and they wish to refinance, what's the window or the range I should ask that you typically want to start actually talking to someone? Like, I don't want 2%, 1%, a half percent. You actually want to make your worth your while. Right. And it kind of all depends on the loan size. You know, typically I usually say 1% is kind of where I'd first start to, oh, okay, they're within 1%. Let's take a peek at it.