 I mean, Robert, I'm sure your business will go up as rates drop because then people feel like they can finance more and do more. Now's the time to do it. I mean, cost of construction is still awfully high. That's why I thought that HELOC thing that you shared was interesting, right? Because it keeps you in your low rate and then you can tap into your equity because, like you said, some people have a lot of equity in their homes. They just don't know how to