 It's not so much an affordability issue as we think it is. It's not really a demand issue. I think there's plenty of home buyers out there that are looking for homes. It's just that there's a lack of homes because on the existing supply side, there's just not a lot of inventory in the market. And so the only game in town right now is on the new housing side, which is why home builders have done so well over the past, say, 18 months is because they're able to build new homes, bring inventory to the market. They can also oftentimes offer