Yep, I think a lot of things will open up. The housing market I do think will just take some more time. I really think the minute the rates drop a full point (which we might already be close to this level), everyone's jumping back in the pool. Which, will still make it a competitive market, but it will be the catalyst that starts the flow. Because it's not just first time home buyers, it's anyone who wanted to move over the last 3 years. The housing market is like one giant clogged pipe. We just need to get a little flow going and then things will open up.