Is There a Difference Between the Fiat and the Leaden Mortgage Rate?

The leaden home loan rate will be pretty much in the middle of our biquin backlons and the fed traditional mortgage rate, probably closer to the biquebac loan rate. And so i think what you will see as we get bigger and better is at that cost of capital, our cost of capital will get bit down. I don't necessarily think that we'll converge with the fet rates just, you know, for reference, people think about the mortgage rate in the us. Is this free floating rate and it's not really that market driven.