market, a 4%, 5% will feel pretty high. i don t think it will get that high. i think 4%. you know what is amazing, neil? right now someone could buy a very expensive house and because rates are so low have a monthly payment much lower than someone that had a far less expensive house five, ten years ago. one of the reasons is the housing market is booming. so it s critical that they don t get too high, the mortgage rates don t get too high. neil: your very young, susan. does this scare you off? do you say oh, man, i missed the boat? yeah, we can t remember 18% but the millennials and the gen zs look at a year ago and it s 2. 5%. you saw record home prices in october. that s driving the wealth effect. so if i feel richer for my home values going up a lot, by the way, the last two years, i m going to go out and spend more.