 Nobody knows you with a bike helmet and goggles on. You're just another person on the road. So I think you have said somewhere that when the Fed does lower interest rates, not saying that you're saying it's going to do that, but if the Fed does lower interest rates at some point, you didn't think it was ever going to go back to kind of the free money practically of years ago when interest rates were almost zero. Is that a fair statement that you don't think it's a good idea to go back to interest rates as low as they once were?