 and housing affordability than any other issue. And I agree with the chairman, and I know we've discussed this around a rate cut, and I understand most of your answer, but I still want to add my two cents here. We've got to find a way to start bringing mortgage rates down and let people unlock that housing market. And again, we've discussed the rate cut issue, and I know you've got to navigate that, but I hope it's sooner than later.