| here as we moved into 2021 but again | 4.48 | Jump to 28.96 |  |  | 
              
                
                  | the tail end of 2021. is there anything | 3.92 | Jump to 38.0 |  |  | 
              
                
                  | going on two plus years of a deficit of | 5.6 | Jump to 57.84 |  |  | 
              
                
                  | seen some tightening here over the first | 4.32 | Jump to 79.36 |  |  | 
              
                
                  | three weeks of 2022. 30-year rates are | 4.72 | Jump to 80.88 |  |  | 
              
                
                  | costing them 330 more per month today | 5.28 | Jump to 89.36 |  |  | 
              
                
                  | we're in that 2008-ish time uh frame so | 5.44 | Jump to 99.52 |  |  | 
              
                
                  | had about 11 million refinance | 2.96 | Jump to 138.56 | 
                      
                        
                      
                        CARDINAL
                      
                      
                        about 11 million
                      
                     |  | 
              
                
                  | strong population over the last three | 3.76 | Jump to 141.52 |  |  | 
              
                
                  | just over six million at this point so | 4.161 | Jump to 146.959 | 
                      
                        
                      
                        CARDINAL
                      
                      
                        just over six million
                      
                     |  | 
              
                
                  | 2020 and 2021. if you had to make a | 4.0 | Jump to 154.56 |  |  |