 Later this early fall to lower a quarter point, I think it would be 0.25% interest rates. But I think in general, inflation is just here to stay for a while. The affordability is crushing so many people. Nothing is affordable, it seems. Going out to dinner, buying groceries, getting this, buying that. You can't afford a house. Prices, it's just crazy. And the one story that no one talks about, even if you're not a homeowner, rents.