Where do you see it maybe going in the next three to six to 12 months?

I mean, currently, I think it's only got an opportunity to go up, unfortunately.

I mean, right now, the market's pricing about an 86% chance of them raising rates next week.

Whether or not that happens, we'll have to see.

There is a lot of pressure from the administration to lower them, never mind keeping the same.

But currently, the market's pricing an 86% as of yesterday chance.

that they'll raise rates next week.

So in Toronto, you can take a single family home, make it into a fourplex and and there's also areas where you can make it up to a sixplex, how would that affect your ability to help people financing for those kinds of projects?