 Yeah, so inflation has been a really big killer the last several years. And because of that, the Federal Reserve has been raising interest rates, raising interest rates, and then they plateaued for a while. And until the market actually crashes in a big crash, then we don't expect interest rates to really drop that much because it does feel like the Federal Reserve tries to raise them until the market crashes. And my personal opinion is they'll probably raise it again because the market is not slowing down, it's not crashing, and they need to have that.