 Yeah, yeah. Unfortunately, Joe, there's a lot of people that just don't, as much as you can say that, they're just still not going to get it, though. Right. It's unfortunate, though. It's very unfortunate. And that's the thing with Nile Street Mortgage. This is what we try to educate people on. I can't tell you how many people we've gotten calls from who don't want to refinance their house because they got that 3% interest rate.