 So the Federal Reserve, without saying you're going to lower interest rates at this point, if you did lower interest rates at some time, I thought you had said you didn't want to lower interest rates and then maybe say, well, maybe we made a mistake and we're going to increase them again. You want to have a policy that's fairly consistent for a while. In other words, lower interest rates but not bounce back and forth every FOMC meeting. Is that a fair summary?