 the role of interest rates, particularly in housing and mortgages, but we don't get into the Fed's knitting here. What I would say is that if you listen to Chair Powell, or I heard a speech from Governor Cook from the Fed Board recently, they're talking a lot about the kinds of dynamics that we see reflected in this report. Inflation that has significantly eased from its peak down two-thirds, actual price declines in June in cars and airfares, appliances, electricity, the gas price,