 Yeah, I mean, especially over the last four years, right? I mean, inflation kind of got out of control. The Fed did its best to combat that by jacking up interest rates, which makes money very, very expensive to borrow. And it's starting to come down, but the forecast is that they're not going to reduce them anytime soon. So, you know, while some people fear market fluctuations and they result to ultra-conservative strategy like converting to cash or putting their money in bank CDs...