 It still could be foolish. You've got to weigh those things out. Now, if you can't afford it, the answer is no, you can't do it. Just don't do it. But I struggle with this myself. I've got our dream home that we really, really would like, but I've held us off because why? Interest rates have went up. Everything's higher. Inflation is higher. I keep thinking they're going to lower rates. We think they will.