 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, they bring inflation down and then they'll stop because the core underlying growth dynamics, the amount of money in the system, the fiscal borrowing that went on is still being deployed, the IRA, the Infrastructure Act, all this stuff going on is going to still be coming through the system.