 Agreed. I'm on the same page as you. I don't see the need at all. Rates are not usurious in my case. And here we are kissing. I mean, it's almost every day we kiss another new high with five and a quarter percent rates with the economy, quote, quote, unquote, as robust as it is. So I don't see the need. You know that. I've been saying that for a long time. I think that.