text:  wrap your brain around that. I can't even get my brain around that today, and I did it. I was there, but I can't get my brain around it. But if you took a snapshot of that, that's the year, by the way, that adjustable rate mortgages were invented. Wow. When we were at 14 fixed, we came up with, the very first time I was 24 years old, I heard of an adjustable rate, an arm mortgage, and we could sell them for 12%, 2% less than fixed rate. And people ran toward