 I'm Shirley Rooker. You're listening to Of Consuming Interest here on the Federal News Network. My guest today is Christy Lathurn. She is an editor at WalletHub. And we're talking about mortgages. Yes, the dreaded mortgage. And we're seeing the largest increase in Maryland. I think the increase in Virginia is not nearly as large as the one in Maryland, which is rather significant. But then, of course, Maryland has rather high prices and high taxes and so on and so forth.