 Yeah, I mean, I don't really think it's going to make that big a difference, quarter point. But, yeah, I think we're headed that we're there, too. So, you know, the point is if you want to get into some fixed investments that lock your interest rates in and you want to get decent rates of return, it's not a bad time to look into those. If you're either looking at some income stream that you need in retirement or you just want to put some money on the side because interest rates will drop.