Fair. Obviously as interest rates increase, housing values decrease, but I do think that the near zero percent interest rate environment that was created after

Fair. Obviously as interest rates increase, housing values decrease, but I do think that the near zero percent interest rate environment that was created after 2008 made little to no logical sense, that the current rates are normal and we shouldn't expect a return to near zero any time soon. I think there is a lot of agreement from the financial world on this point. If any correction is going to occur, it's going to be in the asset values themselves or through inflation or stagnation over time.