Boy, you just start with the toughest question. The Federal Reserve did meet last week. They talked about rates. Obviously, for all of us and the mortgage banking universe have seen mortgage rates have gone up a lot over the last couple of months. But the Fed said, 'Look, we're still on hold. We're not planning on raising rates for a couple of years. A few of them came out and said, “Well, maybe the end of 2023 as opposed to definitely not in 2023.” And so, I think the market had a little bit of reaction to that. The market did have some reaction to the fact that the Fed said, ‘Look, inflation is higher in the short term, but we don't expect it to keep climbing.' So, this whole idea of why rates are going up right now because of this anticipation of higher inflation is not going to happen. They said, 'Look, the long-term trend for the last 25 years has been inflation has not been an issue. That's the problem of the 80s and 70s, not in the 2020s.'