 Right, because also it's not like you get a raise because interest rates are gone up. Absolutely. And that's why we talk a lot about affordability. And, you know, the benchmark for affordable is that you really shouldn't be spending more than 30% of your income on your housing payment. One index that tracks housing affordability from the National Association of Realtors shows that in October, home buying affordability fell to the lowest level since the 80s.