 another one before the end of the year. But I think the market just continues to pull forward a lot of that benefit. And so we're feeling it right now. I'm not sure when it actually happens. It's going to move the needle too, too much. So I think it is going to be interesting to see how the rate cuts do impact the market going forward. But I think the key just still comes back to the underlying fundamentals. Where does earnings growth in terms of the trajectory go from here?