 near the end of the big inflation period. So during most of my adult life, inflation has just been not a factor. And that means stable interest rates, relatively low interest rates. We want to get back to that. And that is what the Fed's job is, is that we're not supposed to look at the housing market as separate from the overall economy. In the meantime, though, there's no question that higher interest rates are making it harder to buy homes in the short term.