text:  0.7%, 0.6% above that amount. So if we're continuing to see this trend, that's going to bode well for the markets because they're expecting rate cuts. And the only way we're going to see rate cuts, in my opinion, is once the Federal Reserve gets their inflation down to their target. But again, if you look at the underlying kind of macro economic data, when you look at employment, when you look at wages, when you look at inflation, hard to really see the Federal Reserve doing