 predicted. That's right. At the beginning of the year, remember, they were pricing in five or six cuts this year. We said that wasn't going to happen. The market prices were wrong on that. They tend to get overenthusiastic. They see some evidence for why the Fed could cut. Assume there's going to be a million cuts coming down the pipeline. Now they might get one or two, but I don't think any of the cuts happened.