 And as mentioned, while inflation has fallen recently, it's not yet back to the Fed's 2% target. The Fed wants to see sustained, improved inflation, and until they do, they have said they'll keep rates higher for longer, a headwind to the economy. Thank you, Michael. Ready to start pursuing your financial success with one of the nation's leading wealth management firms? Go to Stifel.com to find a Stifel advisor near you. That's S-T-I-F-E-L.com.