I suppose it depends on what your starting period is. If you date them from the end of the 2008-09 recession, a logical starting point, there have been three hikes in the overnight rate and two declines, as you say, 1/4 percentage point each time. That's five changes in seven and a half years. So that's about one 25-basis-point change every 18 months, a frequency that decreases with every month that our central bank keeps the overnight rate where it is.