 consensus that Janet Yellen was out talking about inflation reaching 2%, but other economists are going, hey, listen, her numbers are off. It's not going to get there as fast. 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