 And to make matters worse, interest rates are now much higher. So, the cost of a new mortgage even if you didn't get one will be much higher. Now, the commercial real estate plays a huge role in a typical bank's business, especially for small to regional-sized banks. And according to Van Nuenberg, he says, and I'm talking mostly about these smaller and medium-sized regional banks, they have a lot of exposure. This is their bread and butter activity. About 30% of their loans are commercial real estate loans.