 in terms of the high mortgage rates. And it depends, of course, when you got your mortgage, what the interest rates were. But we're really talking about the amount of the mortgage, aren't we? Not the interest rates. Right. We're talking about your loan amount and your balances. So this means, of course, like you said, that people who are taking out new mortgages are paying more, obviously, than somebody who maybe took out a mortgage in 2020. Bless them.