The Biden administration has the weakest team in terms of financial, market, knowledge, and experience that I can remember in my lifetime. The people I worked with at the Fed in New York like Paul Volcker in Jarrick, Oregon, they knew markets. And they also understood the limits of monetary policy. So if you go big, which is what we did after 2018, because they didn't want another liquidity crisis, right? Their intentions were good. But by doing that, today, that $3 trillion of mortgage-backed securities that they own is really bigger than their treasury portfolio. They've done structural things to our marketplace that will literally take generations to fix.