 So that's what I mean by the game of chicken is like everyone is sort of paralyzed. They know what they need to do. They need to diversify. But when you look in the rearview mirror and you see that everything else is stunk, that's a very difficult thing to do. I would just say very quickly, Vani, on rates. I mean, I know the forecast. I have to take the other side. I just don't see the Fed moving to cut rates in a meaningful way anytime soon. And just very quickly, I'll say that because