goldman and others, jamie dimon also talking about a tough market in 2023. but you're right, we've seen destruction in a lot of areas, nowhere as much as housing, adam. you know that 22%, only 22% of americans now say they had can purchase a home without experiencing as fi a financial hardship with mortgage rates above 7%. >> the good news of that is that home prices are finally starting to come down. we've had eight months of lower home sales. we've only had two months of lower home prices. prices always lag sales. and so the good news is for people who are trying to buy a home or want to buy a home, as those home prices come down, they will ultimately be able to afford that. in the same way that you -- and i love that quote, nicktimrose, the s&p 500 is like a beach ball, it wants to p pop up when it get to 3600. that's because the s&p went to 15 times earnings. that's cheap. >> yes. >> homes are still expensive. home prices need to come down and then eventually over time because there's inherent demand and in theory rates will start to back off or stop going up, maybe, maybe we'll see some sort of stability, not a beach ball, in housing. but you ha