 It's going to take longer. I think they have more to lose by being aggressive. So they're going to just take their time. All right. So I think we'll see fives next year. And with buy downs, you can certainly buy whatever rate you want. So don't get me wrong. Closed the loan recently with a huge buy down with a relocation at just a smidge over 5%. So for that, you can get whatever rate you want with a buy down.