 In terms of interest rates here, Ryan, the Fed has been, for the last couple of years now, on a track to try and cut inflation. They're having some success at that, but as you pointed out, not quite there yet. The Fed did have a meeting here a week or so ago. What decision did they make relative to interest rates? They held interest rates steady, which is about what everyone expected, but underneath the surface, they've been doing something that I find very concerning.