 When rates drop, all the rest of the people that are sitting on the sideline like you are going to jump into the market going, oh, great. Rates are five and a quarter again. I'm coming back in. And then you're going to go, oh, I lost that house. Oh, I lost that one I bid on. Oh, they want 10,000 over ask price. Oh, they want 30,000 over ask price. Oh, they're not going to put a new roof on. Oh, they're not going to pay my closing costs. No, they're not going to do it.