 I personally, obviously no one has a crystal ball, but all of the data that we've been getting these last two weeks does point to a rate cut in September. So I don't think it'll be anything worth dancing around your kitchen worth, but it is going to be a little drop. So if you are kind of one of those people on the sidelines, I would say getting pre-qualified by August so that you can be ready to make an offer by September is going to be your game plan.