 Terrible, right? You couldn't imagine it getting any worse than what it is right now. Yeah, I just bought a house last year. It was my first house. And I'm at like seven and a quarter. And I was complaining to my dad. I was like, man, this really stinks. If I would have done this a couple years before, I might have been at like two or three. And he's like, cry me a river. Because my first mortgage was 13%. And so this isn't so bad.