 We're looking and eyeing at building a new home, and I really don't want to start that project until I see rates come off of these levels. So I don't think it'll be dramatic. CD buyers are getting to see 5% to 5.5% interest rates right now. It'll probably next year be in the upper 4%, mid to upper 4% range. So I don't think it's going to go down to 1% or 2%. But I do think it's going to help.