 If the Fed lowers rates a quarter point, it's not going to change the economy. It's not going to change your job. It's not going to change your industry. But it could change the rest of the market. Maybe that's what these areas are waiting for. For them to play catch up with real yields that are over a point lower than they are. A point lower than they are. We're all for it. Remember, we don't have a bias. We let the market dictate.