 You know, Michael, they're still working on getting your mic up. Excuse me. I'm going to jump in. It was genius. It was genius what we're saying. I'm going to get you. You'll get to ask the question again, Vani. But I do want to bring in Ira Jersey, who's with us from New Jersey. He's Bloomberg Intelligence Senior Rate Strategist. Same question over to you that Vani asked. Since we have seen such a round trip when it comes to rates, how do you look at today's news and the drop in rates that we're seeing across the curve, Ira?