 Nicole, we have a very young audience and I want you to tell us about something that I never knew about or I never realized at all until I got a mortgage when I was 40, which is interest rates actually mean something. So if I don't know about mortgages, I might think 3%, 7%, that's not a big deal. What does an interest rate, a higher interest rate actually mean for a person getting a 3% and a person getting a 7%?