 kind of set up that at that meeting, the idea that, hey, if things continue to improve, if we see the inflation rate come down different measures and it just moves down even marginally, maybe that sets us up for a September rate cut. But even when they start cutting interest rates, it's not as if you're going back to seeing your credit card rates go from 23 percent to 14 percent. That's not going to happen overnight. It's going to take some time.