and driving a lot of this decision-making off of supply and demand, months of standing inventory,

how much is getting absorbed into the market. And we're still in very healthy levels in terms of

there not being any big market correction or the bottom of the market falling out. We will definitely

see some seasonal cooling. And I think as we get into the end of the year and the market falling out. We will definitely see some seasonal cooling. And I think as we get into

the end of the year and the Fed, you know, puts out a little bit more of a forecast in terms

of what they're planning to do with those rates. But we know what direction it's heading in and

what it has to do. But with that being said, they're being very strategic and

smart with how they're going about doing it. Black Knight, which tracks all of a lot of foreclosure

data, forbearance data. The one thing that we've been talking about this entire time is,

you know, equity. People have equity in their homes and strong

equity stakes alone, you know, may not necessarily be enough to prevent certain foreclosure starts,

but at the end of the day, it's going to reduce the amount of homes that actually go through

the entire foreclosure process because those individuals are going

end up saying, okay, well, I can't come whole on my, you know, default amount, but I still got

X amount of dollars in equity in my home. So I'm just going to put it on the market and I'm going to

have to reset and get out, cash in, you know, make myself whole, see what money I have left over, and reassess,

you know, how I move forward. But actually having people that are upside down in their homes

is not going to have some massive influx of properties getting flooded into the market.

And banks aren't going to do that because they don't need to do that, just go around. So we're seeing Black

Night research shows just 7% of homeowners and forbearance have less than 10% equity. And that's

after including 18 months of defer payments. So that still means most of the people that are in

forbearance right now, you know,

...