 So if inflation doesn't continue to come down, the likelihood of the Fed cutting rates isn't going to happen. So it's always a balancing act. It's understanding your portfolio. It's understanding. And I know I'm a broken record, but so many people are only utilizing investments like, well, it's either stocks or bonds. There are so many other ways to invest. And no, I'm not talking about annuities or listeners. No, I don't like annuities.