 And then 2008 happened, and they jammed the rate down to try to recover the economy down into the threes, and it stayed down in the threes. So all of that to say there's a little history lesson, boys and girls, of interest rates. But interest rates affect house affordability, home affordability, because a lot of people borrow to buy a home. Not everybody does, but a lot of people do. And so you cannot take a snapshot in time and say this is your whole life. This is your life today.