Currently, it's time to bottom out, time to bottom out, time to bottom out. Don't look for reasons for this drop anymore, whether it's a 25 basis point rate cut or the dot plot for next year. The most important reason for the drop is simply that it's Christmas. It's just a reaction to the news. The day after tomorrow is Sunday, and after Monday, it's Christmas. The drop has already happened, and at most there might be a slight pullback, but it's not even certain that there will be a pullback.