 To go out to eat or to buy stuff. It's just that it's not going up as fast. Yeah, it's cumulative. So we'll see what they have to say about it and why. And then James Grant writes a letter that he's done for a long, long time, a publication, Interest Rate Observer. He's very, very well respected. He's done this for, I think, 30 years now. And a recent one, he talked about where he thought rates are headed. And he thinks they could go higher even than they are now and stay there.