 If the Fed doesn't do a quarter cut in September, there's no way they're doing a quarter cut in July. With the information that came out today or Thursday, there's no way. If they don't do a quarter cut in September, we have a better chance of seeing mortgage rates go up than down. I believe they're going to do a quarter between now and December. If they do anything less than a half between now and December, we have a better chance of seeing mortgage rates go up.