 Hey, 40 seconds left, Michael McKenzie. I want to end because we're focused on politics. We're going to hear from President Biden in just a few minutes. What are you watching when it comes to rates, if there were to be some big surprise come in the coming days? I think watch the curve. Last week, we got a pretty nasty bear steepener. Today, we're getting a bullish steepener, which is the preferred way the market likes to see the curve steepen. But a bearish steepener would be problematic.