 That's absolutely right. The Fed's been very clear that they want to be communicating to the market and not surprise the market in this entire cycle. And they've been saying that they probably will be delivering about 50 basis points of cards. The market's pretty much there pricing at this point in time, about 50 basis points, 54 basis points as we speak. But over the last two weeks, it's been hovering around the 45 to 55 basis points mark, which is not terribly far off from the two rate cuts that we