 You know, what's interesting, too, and something we've talked a lot about, David, is, you know, the neutral rate and what he thinks about that 2 percent goal that the Federal Reserve has. He said the neutral rate is probably higher today. Monetary policy is restrictive, but not severely restrictive. I am curious how you see things. Do you think the neutral rate doesn't make sense anymore, that it does need to be higher? And what is your expectation or what you think the Fed should be doing when it comes to interest rates right now?