Thank you for that.
One of the things, though, that I want to home in on with you when it comes to this correlation is that you did say that you would expect housing prices to decline if interest rates went up, but that isn't happening, and it's because of the structural supply issue.
I'm curious about your thoughts as to what will happen to housing prices as you start to lower rates, given the inelasticity of supply, the structural problem in getting housing built in this country. What do you think will happen?