 Instead of down, your credit card rates will come down. Auto loans will come down. All of these other things that aren't futures that wait for the reality of what the Fed does. You'll see all that come down. But because mortgages always looks to the future, we're always trying to guess what the Fed's going to do. And if they don't do that, when they cut only a quarter, we'll see rates maybe go up a quarter. I know that doesn't make sense. It makes no sense to your average consumer. And the other thing is the Fed doesn't control mortgage rates.