people have reevaluated the importance of home, and because we have so much more equity in our home this time around. this has nothing to do, the perfect recession was a perfect storm. this is 100% different. we have low supply, high demand, builders encountering supply chain issues so they can't get products into the market. millennials who have entered the market to a degree that we always -- never expected before. prices skyrocketing. i do believe interest rates will increase into the next year but we have to put things in perspective. interest rates are extremely low. it makes sense to lock in the interest rate, this is the way people have evaluated it. >> david: i want to specific on this.