 Yeah, well, that's to be expected after the historically low interest rates that we had in 2020 and 21. When rates started to go up, most people had refinanced, or the people that bought their house during that period of time are locked into a 30-year loan at 2.5%, 3%, 3.5%. There's about $13 trillion in mortgage debt in the U.S., and $9 trillion of it is below 4%.