 Well, you're right, and that's what Jerome Powell has been talking about for a long time now, right? He's talked about we did see progress with inflation, but they're not ready to cut yet. And then when you look over at the New York Fed and Williams, he's talking about inflation is now around 2.5%, significant progress with his words, not mine, but bringing it down. But they've still got to reach that 2% target. And it's interesting to see that now we're seeing in the Fed tools is showing us that it's a 72% chance