Yes. Thanks very much for the question. Thank you, Terry. In terms of the Fed, just looking at our futures markets, it's expected that the Fed will tighten by 25 basis points at the upcoming F1C meeting likely and then over the next year and a half, reduce rates by 200 basis points. So, obviously, there's huge uncertainty built into that yield curve that people are going to need to manage. Going from this extraordinary tightening cycle, excuse me, to a very quick, large easing cycle. And the exact timing of ...