 So let's take 2020 and 2021 off the table. Let's look at 2019, 2018, 2017. If our rates right now, you know, on average, and we can't quote rates without a loan application, we've got to throw that qualifier in there. But rates, you know, depending on the scenario, you could be looking at high sixes, low sevens. If you compare that to four and a half, five percent rates,