 you will follow that trend down in your interest rate. And then once you think, hey, it's as low as it's going to go, you can bounce over to a fixed rate. So that's certainly one option. But yeah, you're absolutely right, Don. A lot of people who want to move are not moving because they don't want to lose maybe that. You remember, it was only three or four years ago during COVID, you had 30-year fixed rates, which are now up around seven. You had them under 3%, which was unheard of.