 One thing we have to remember is the Fed raising rates is not bad for the long end of bond curve, right? So the real risk of getting the 10-year going to 4% is if the Fed does nothing, because at some point the bond market will go back to the days where the vigilantes say, hey, they're letting things get out of control. So I think we want to see a measured increase in the front end of the rates that may push treasuries up a little bit, but it'll be a very controlled. I don't see the 10-year getting much above 275 to 3%, even with the three-rate hikes. But again, financials will be hurt if we get that sort of flat, where the front end goes up.