 That's right. And for those who do choose to go ahead and enter the market and buy a home now, that doesn't hinder them from refinancing in the future when the rates do go down. So go ahead and get into that home. And then when the interest rates drop, then we can take advantage of that savings then. So as long as you've been in that home for at least six months, you made six months timely payments. Then when the market adjusts, then we can take advantage of the savings at that time. There you go. And, you know, I'm.