I do feel like we know the Fed's coming to the end of this rate-hiking cycle. But having said that, Jay Powell has reminded us certainly in those press conferences that the idea of rates starting to be cut and come down might be a few years out. So I really think that this year we're going to see rates continue, barring any black swan. We were here pre-pandemic with rates starting to level out again and get to reasonable levels again. And then we had a pandemic. So I think we're back to us getting back to what has been in my 40 years of doing this a much more normal fixed income environment.