 Maybe you've been under a rock over the last couple of years. They've increased, but it's been exacerbated by the fact that interest rates were lower than they had ever been in the history of the United States due to a global meltdown. And I think we can all agree we don't want that to happen again. What happens and why the Federal Reserve lowered interest rates was to spur the economy out of the worst pandemic we've seen in multiple generations. And