 There's an expectation that the Fed's going to start cutting rates. I'm not there yet, Cheryl. We talked about this, I think, a little bit last week. I don't see a lot of incentive other than, frankly, politically to do it, which of course could happen. We all know they're not supposed to do anything politically, but it is an election year. So when it comes to markets and what they're doing and hitting all-time highs, listen, that's great information.