record home prices, too. combine all those things a triple whammy is having a devastating effect. let me show you, to your point, what mortgage rates have looked like the last few years. if you were lucky enough to lock in rates of august of 2021, well done. let s say your mortgage repayment was $1,000. today your option is paying double that even for above income, average income families, that s a huge whack. it s great, let s be clear if you re a homeowner, if the big american dream is to own your home, leave that money to your kids one day, that s getting further and further away and it doesn t really change until the federal reserve brings rates down, these things ease, people sell their homes, and that will take some time. rent prices remain very high with the stickiest part of the inflation issue. and that s the cash crunch. a guy who ran on the rent is too high. thanks, julia.