 So they said, well, what can we do to elevate the real estate market? We can pull the interest rates down to historical lows where they've never been before. And frenzy ensued, right? Everybody was locked down, but everybody was buying and refinancing their homes. So do I think interest rates will come down? Yes, certainly so if Republicans take control of the White House. But do I think that rates will go back down into the twos and threes, barring some kind of other global phenomenon, pandemic? No.