 We are very close to being triple the mortgage rate. You say, well, that only matters to homebuyers. No, it matters to people who swing a hammer and a paintbrush and all the tools they use for putting up sheetrock. That's Vance Ginn at Ginn Economics, former chief economist at the Office of Management and Budget. Vance, it's always a pleasure. Back in a moment, I'll get to your calls. You're listening to Honestly Provocative Talk Radio on The Lars Larson Show. You're listening to the best of The Lars Larson Show.