 Well, another core tenet of how we look at the investment world is we don't try and pretend like we can foretell the short-term future. The Federal Reserve came into 2024 saying, we're going to lower interest rates three times. Well, they were wrong. It hasn't happened yet. But then all the experts, the Wall Street top economists, they said, no, no, no. They have it wrong. They're actually going to have to do it six or seven times.