 If the U.S. continues to recover, then there will be a moment when the Federal Reserve has to raise interest rates, and markets are not prepared for that. They read about it, they say it's possible, but again, looking at the forecasts of the governors of the Federal Reserve, they're up here and the markets are here. They just don't believe it. They don't believe they'd do it. And I think not only they don't believe they'd do it, they can't imagine how they would react. It's very hard to have a tight-ank cycle. It's not an easy thing. You do it to stop inflation.