 I don't know that it's going to happen. Don't get your hopes up. And home insurance premiums are surging and states are allowing it. So much for the inflation number. We got a good number yesterday. It's only 3% this year. It's never supposed to be above 2%. So Joe Biden's cumulative inflation is over 20% now. Back to the phone. Danny in Cleveland. What do you say, Danny? Morning, Lori. And to you. Go ahead, Danny.