 But that doesn't mean that's the end of it, and that doesn't mean that that initial cut in interest rates has made its way through the economy. That doesn't mean you're going to be able to walk into a bank the next day and get a lower mortgage rate. You may be able to walk into some, but that cut in rates takes time to work its way through the economy. And I was telling a client this week when I was talking to him, I said, look,