 That is bad. What are you advising clients as far as locking in when you're in such a volatile? The same thing I've said for 32 years. You know, when you lock in a rate, you're like putting a quarter in a slot machine. You're going to win or you're going to lose. If you are happy with a mortgage payment, you're happy with a rate, lock it in and don't look at it again. Okay. In a 30-day period, it's very rare for a rate to move more than a quarter of a percent. Okay.