 We've erased all of our gains from the first half of this year. That's really what the shame of the last two months has been, really what's driving us interest rates. Interest rates continue to be stubbornly high. You know, we're right under 7%. And while there was some optimism coming into the new year, we've retreated over these last six months. So not surprising that just the demand is being suppressed by mortgage rates. Tobin spoke on Yahoo Finance.