 And people aren't selling their homes necessarily, but I got this stat actually last night. I think it's now even more. But mortgage rates have surged above 7.5% for the first time in decades. That throws concerns about the housing market stability. Are we going to see something very similar to that 2007-2008 crisis? But also, we look at the situation having significant effect on closed sales from August to October. And potentially leading to existing home sales reaching a 13-year low. I saw that repetitively being spoken about at Bloomberg as well. What do you think is going to happen there? Is this in the U.K. or the U.S.? U.S. U.S. Okay, so I think the situation in the U.S. is very different to the one in the U.K. Reason being is that in the U.S. they've got 30-year fixes. Whereas in the U.K. I think on Max's 5. Now there's loads of 5-year fixes that are rolling off, I think, around October time here and also into next year. So the situation in the U.K. is probably much, much worse than the situation in the U.S. And the one thing that I think is going to be very, very troubling for the U.K. is I hope to God people don't end up putting themselves into 5-year fixes again when they have to refinance because they want security. I think that will be a massive, massive drag on the U.K. for the next 5 years. I guess as well, though, there's those in the U.S. that could refinance for 30 years. But I don't know how many of those there are. There's probably many home buyers that have taken out mortgages what, two years ago when rates were lower, and then fixed it for 30 years. I don't see the situation as being as precarious in the U.S. as here. And also, there's not the same structured products trading as back in 2007 as well, which was obviously a major issue for the likes of AIG. It's a tricky one. It's a tricky one to deduce because Warren Buffett's got long home builders again. I've a view that the real house price crash will occur in 2026, not the next year or two. Again, I think that's when the time lags sort of match in. I think that 25 to 50 month, I think it's the 50 month period, like the upper bound, is when the real house price crash will occur from when the interest rate mechanism really kicks in.