already, you know, the fed suggesting that maybe we'll only get one rate cut this year. i think if it doesn't happen at all, and again the shift the equity values down a little farther and push those bond prices even lower so that we get higher yields. so, i think that that will be a bit of a shift, a bit of a disappointment and definitely there will be some volatility as people digest this, but again, i think the risk of reinflation, the second wave, is very high, and investors aren't taking it as seriously as they should because we are in that late stage of an economic cycle with good, strong gdp, low employment and we're already seeing those signs of increasing inflation, particularly on the commodities side. so, i think it's something that people should really be aware of and be ready to protect their investments from. neil: you know, katherine, we're seeing in mortgage rats popped back over 7% again, that's very low for someone my