I don't think anybody is taking for granted that rates will never go up. The scenario we released goes only to the end of the current calendar year, and we don't anticipate a return to high interest rates. Those who have dared to put out projections or scenarios beyond the current calendar year are not envisioning a return to the high interest rates of the 1980s.
Could interest rates go up in the next several years? Yes, they could well go up, and we need to be cognizant of that.