 19, for the history of this country, 6% and 7% rates is the national average. That's where we are right now. However, they can and will go to 8% next year. That's a prediction. So the more you procrastinate renovating your home or buying a home or changing your home, the more you're going to lose. Tommy, we've got a caller, John, from Virginia Beach. He's got a question for us. Very good, John.