 And that's where the Fed stops. That is a wholly different environment than the last 15, 20 years where, you know, basically there was no interest rate. Got up in 16, 17, 18, 17, 18, 19 to two and a half. And then it was cut, if people forget, at the end of 19. We never got back to, quote, a normal rate environment that you would have seen in our early careers for years, David, where the Fed funds was three and a half or sometimes even a lot higher. Ten-year rate was four and a half. That normalized rate is where our teammates think it gets to. And Candace and her team are saying, look,