text:  15%. We're going to 5.5% and we can live with that. So we saw the stock market start to gain. Where we really saw the market kind of rally was in December. And that's because the Fed came out and said, yeah, we're done raising rates at 5.5%. And in fact, they said we could expect three rate cuts coming this year in 2024. So that led to that rally through December and into January. And what we're dealing with right now is kind of a not if,