 And so I would rather lock in a payment that you're comfortable with than gamble to try to save you $50 and it goes the other way and it's a $100 swing. I've always told people the same thing. Lock in your rate. It's like putting a quarter in a slot machine. You may win, you may lose. And that's what we do. As far as the rates, there's a lot of things that kind of influence where we're going. So what type of things are you looking at when you're looking to the future for, say, the rest of this year?