 I think the shift happened because we saw the inflation numbers fall really sharply. I mean, if you remember, we had a peak of 9% year-over-year CPI in the summer of 2022. That was the peak. And we came way down from that. And of course, the Fed ratcheted up interest rates hard to get us there. The problem is getting down to that last percentage point from 3% to 2% has been really hard. And I think it surprised the Fed to see how sticky inflation has been.