 Stopping all that money up, Josh. All right. The good news is for a lot of you out there, mostly baby boomers, you are quite immune to the higher interest rate environment that exists out there because you're not borrowing money. In fact, you are lenders. And so you are actually finally in a position where you're in good shape because your safe money is finally getting some return. The percentage of U.S. homeowners without a mortgage is