 I refuse to jump in because of the uncertainty. Arroyo runs Arroyo Custom Homes in Raleigh, North Carolina. He says his building business is in a holding pattern, just like new mortgages, loans for construction also have higher interest rates right now. And Arroyo says it's too risky for him to take one out. I'm not a gambler, right? So, I mean, I'm just not going to play.