What's the state of the market? If you think about where people's heads are, where their fear is right now, they're trying to control anything. Anything. If I can control the milk that I have in the refrigerator and the toilet paper that I have in the closet, I feel like I've got some of my control back. Toilet paper and milk are fundamental. It goes back to being a youth. This wasn't a matter of a run specifically on toilet paper.
There's too much going on to leave it to chance. Customers still want that zero rate. It doesn't work like that. As the Fed rate in the chart below, the blue line is the federal funds rate and the red line is our 30-year fixed mortgage rate.