 So fast, it's locked people in. They can't afford a replacement house. After all, maybe your condo went up 40%, but that starter house also went up 40%. So even with the gains, you cannot afford to upgrade at 7.5 mortgage unless you are retiring and moving to Costa Rica. As I mentioned in recent videos, this has all done a number on the young and working class. It means pretty much the only buyers are people who need to.