 for more than 20 years because during that period, the Fed rate was held at zero to a quarter of 1%. So the banks couldn't pay a whole lot because that's what they base their interest rates on. So as soon as the Feds started raising the rates, eventually the bank rates kind of went up with it, although a little slowly. Now, as soon as the Feds dropped the rate, I'm pretty sure the next day the banks are gonna drop their rates because way back when this happened,