And there's been a big increase in the shifting from the 30-year fixed to the adjustable-rate mortgage in order to recapture some of that affordability back from the otherwise high rates for the traditional 30-year fixed rate. And I know we're not approaching anything like that right now, but do you see the potential for these adjustable-rate mortgages and some of the other flavors of mortgages that are non-traditional, are these going to become more prominent in our economy? I would say it's easier now than, say, six months ago to potentially buy a home because the key to the market, the degree of the bidding wars, the number of bids per home for sale those are all easing in the last few months, which makes it easier to get the home that you want than in times past.