 If you're sitting on the sideline, it's still property values. There's a shortage of real estate. You've got to be able, of course, to afford it. But I agree with Dave that if you're thinking that interest rates are going to come down anytime soon, whether Trump gets elected or whether Biden stays in office, I don't see rates coming down dramatically in the next little bit. Think of it, and real estate goes in phases, and you're building equity.