 When it's all said and done, in 2024, we will have blank rate cuts. Zero. I think zero. I think we basically stand pat until the election. We're at a point where we have more potential outcomes from this election than I think ever in history. And at that point, once we get through the actual mess that this election is sure to be, then starting in 2025, I think the interest rate policy will take a little bit more front and center.