Castle Rock, CO April 2026

The Investment Issue

Healthy starts

A Gynecology Team That Gets It

A woman’s health care journey is rarely a straight line. On the winding path of life, women need experts walking beside them who truly listen and seek to understand. Find us at AdventHealth. At every life stage, from puberty to family planning, perimenopause to menopause, we offer the care, compassion and expertise to help women feel whole.

• Minimally invasive technology

• Care for complex conditions

• Pelvic health care

• Community classes

Our Investment Issue

Hi Neighbors,

When we hear the word "investment," our minds often jump straight to stock tickers, interest rates, and real estate portfolios. But for our April Investment Issue, we’re widening the lens. At Castle Rock City Lifestyle, we believe the best returns aren’t always found on a balance sheet— they’re found in how we spend our time, energy, and heart.

First, we have a few tips for risk-takers: our local small business owners. Starting a business in Castle Rock takes more than just a good idea; it takes grit and a specific set of habits for success. This month, we take a look at successful entrepreneurs and the "boring" habits—consistency, community networking, and extreme organization—that build local empires. If you’ve been sitting on a business plan, let this be your guide to finally dive in.

However, we’re also exploring the concept of holistic investment. We all know that financial wealth means very little without the health to enjoy it. We’ believe in investing in longevity, from preventative local healthcare to the simple, daily habits that add years to your life and life to your years.

Perhaps the most underrated asset in any portfolio is our relationships. Investing in your family, your neighbors, and our community creates a "social interest" that pays dividends in happiness for decades. Whether it’s a coffee date at a local cafe or volunteering for a Castle Rock non-profit, those moments are where the real wealth lies.

Whatever you’re "putting into" this month—be it a new venture, a fitness goal, or an old friendship—we hope this issue helps you maximize the return. Warmly,

April 2026

PUBLISHER

Steve Hill | steve.hill@citylifestyle.com

CO-PUBLISHER

Debbie Hill | debbie.hill@citylifestyle.com

SOCIAL MEDIA COORDINATOR

Kristen Gonzales kristen.gonzales@kcrcopywriting.com

CONTRIBUTING WRITER

Steve Hill, Debbie Hill

CONTRIBUTING PHOTOGRAPHERS

Castle Rock Headshots, John Manka

Corporate Team

CEO Steven Schowengerdt

President Matthew Perry

COO David Stetler

CRO Jamie Pentz

CoS Janeane Thompson

AD DESIGNER Rachel Otto

LAYOUT DESIGNER Emily Lisenbee

QUALITY CONTROL SPECIALIST Megan Cagle

business monthly

A ROUNDUP OF NEWS FROM LOCAL BUSINESSES

K9 PAWS Ruck March

Over the course of four consecutive days, participants will complete a 105-mile route, carried out by a dedicated road team that will traverse the full distance on foot while carrying weighted rucks. Each mile represents the physical and mental weight many veterans live with long after their service ends.

Whether walking the full 105 miles, supporting a stationed team, or standing roadside in encouragement, each participant plays a role in honoring service, strengthening resilience, and supporting veterans.

Bridgewater by Legacy Retirement

Join the waitlist!

Bridgewater by Legacy Retirement is a premier senior living community in Castle Rock, CO offering independent living, assisted living and memory care. Here, we believe senior living should be about connection, joy and belonging. Whether you’re looking for no-maintenance retirement living, or support with daily activities, our mission is to serve you like family.

Personalized Care At Every Visit

As the only family-owned veterinary clinic in Castle Rock, we care for your pets like members of our own family, because we know they’re an important part of yours!

From preventative care to advanced surgical procedures, we offer comprehensive services to support your pet through every stage of life. Whether they’re a playful puppy or kitten, an active adult, or a cherished senior companion, we’re here to help them live their healthiest, happiest life.

Learn more about our practices and schedule today!

Rock Solid Fitness and Wellness Club Grand Opening

Not just a gym but a complete wellness hub built for both every day people and athletes who want to feel their best. Every class, treatment, and session at Rock Solid is designed to support longevity, mobility, and strength. From reformer Pilates and strength training to saunas, cold plunges, and in-house physical therapy, Rock Solid delivers a fully integrated space for fitness, recovery, and total wellness.

the CITY LIST

We have such amazing, innovative business leaders in our community who are proud to serve you, our residents, with class and quality. We’ve compiled some of our top company picks for the services that might be on your mind this month in an effort to make your lives a little easier.

Law Firm

Fourth Street Law, LLC http://www.fourthstreetlaw.com/ | 303.847.0120

Tactical Lawyers tacticallawyers.com | 720.499.0000

Folkestad Fazekas Barrick & Patoile, P.C. ffcolorado.com/ | 303.688.3045

Travis Legal Offices https://travislegaloffices.com/ | 303.766.8766

Holmes Shirley Law holmesshirleylaw.com/ | 720.248.7621

Finance and Insurance

Kemmesat Agency - Farmers Insurance www.farmers.com | 303.814.2292

Blue Sky Insurance Consultants - Sarah Montano https://bskyinsurance.com/ | 303.819.9757

American Family Insurance - Timothy Brown https://www.amfam.com/agents/colorado/castle-rock/timothy-brown

Want to suggest a monthly pick?

Valley View Health Insurance Solutions - Wade Lancaster https://www.valleyviewhealthins.com/about | 303.587.7751

Future Capital Management https://www.futurecapitalco.com/ | 720.927.3100

Follow these tips for a head start to success.

Always Wanted to Own Your Own Business?

Dreaming of being your own boss? Turning that vision into a local success requires more than just passion. This guide breaks down the critical pitfalls to avoid, essential "must-dos" for 2026, and the modern tech stack you need to build a resilient, community-focused business.

ARTICLE BY STEVE HILL

The Must-Dos

Success requires a "market-first" mindset. Before signing a lease, use pop-ups or digital ads to validate that the community actually needs your specific offering. You must treat authenticity as your competitive advantage; in an AI-driven world, personal connections and local sourcing are what build lasting loyalty. Legally, establish an LLC early to protect personal assets and immediately automate repetitive administrative tasks. Most importantly, discipline your finances by setting aside 30% of all revenue for taxes and building a three-month emergency cash reserve. Financial resilience is the ultimate foundation for any entrepreneur.

The Pitfalls

Local startups often fail by prioritizing aesthetics over visibility. In 2026, a beautiful storefront is useless if you are invisible on digital maps and local social feeds. Another trap is ignoring "cyber-hygiene"; a single data leak can bankrupt a new venture. Many founders also confuse revenue with cash flow, struggling when bills are due before invoices are paid. Lastly, avoid "expansion ego"—trying to scale or diversify your services before your core operation is truly stable and profitable in its primary neighborhood niche. Don't let early local buzz mask deep structural weaknesses.

The Tech Stack

Your 2026 toolkit must prioritize security and seamless discovery. A verified Google Business Profile and active local SEO strategy are non-negotiable for "near me" searches. Implement a cloud-based POS system that supports contactless payments and integrates directly with your accounting software to prevent manual entry errors. Use a CRM to capture customer data for personalized loyalty rewards. Finally, secure every account with multi-factor authentication and invest in a hardware firewall to protect your local network and sensitive customer payment information from rising cyber threats. Modern tools ensure your focus stays on the customer.

Redefining MVP: TIM TEBOW’S LIFE BEYOND FOOTBALL

An exclusive Q&A with City Lifestyle

ARTICLE BY ANGELA BROOCKERD

PHOTOGRAPHY PROVIDED

From championship trophies to global humanitarian impact, Tim Tebow’s journey has defied every standard playbook. In an exclusive conversation for the Share the Lifestyle podcast, Tebow pulls back the curtain on the moments that truly defined him, from a humbling middle school church retreat to the life-altering shift of fatherhood. This isn’t just a look back at a career; it’s an invitation into the heart of a man driven by purpose. Read the highlights below, then join us for the full, unfiltered experience by scanning the QR code at the end.

Q: WE ALL KNOW YOUR ACCOMPLISHMENTS ON THE FOOTBALL FIELD, BUT TELL US ABOUT THE CURL CONTEST.

A: I was competing for my future high school team (my brother’s team), and I pushed myself way past what was smart. I ended up collapsing and needing medical attention. But what stayed with me wasn’t the pain, it was the lesson. Would I be willing to do something that others aren’t? For much of my life, I strived to bring my best for a game, but I hope that I can say at the end of my life I was willing to do that for things that actually matter.

Q: YOU’VE ACHIEVED SO MUCH IN SPORTS. WHAT WOULD YOU SAY IS YOUR GREATEST ACCOMPLISHMENT NOW?

A: Becoming a dad. Nothing compares. From the moment I knew my wife was pregnant, I felt a new depth of love for our child, but when you bring your baby home, the responsibility hits you like nothing else. Suddenly, everything you see, every decision you make, you’re asking, “Is this corner too sharp? What happens if she reaches that drawer?” It changes how you see the world and how you see other people.

Q: YOU’VE SPOKEN OPENLY ABOUT DISAPPOINTMENT, ESPECIALLY AROUND FOOTBALL. HOW DID THAT SEASON OF LIFE SHAPE YOU?

A: I talked a lot about that very thing in my book Shaken . We all go through moments where our faith in our abilities and purpose feels rattled, but I believe it’s often in those storms when God can show us who we could become.

Q: YOU TALK A LOT ABOUT COMPARISON CULTURE. WHY DO YOU BELIEVE COMPARISON HAS BECOME SUCH A TRAP TODAY?

A: Because we’re comparing our real, everyday lives to someone else’s highlight reel. Social media shows people’s “best day,” often filtered and staged, and then we measure our reality against that. There’s a reason filters are so popular—it’s not real. We end up scrolling through images that don’t tell the full story, and without realizing it, comparison starts to steal our joy and our gratitude.

“We’re comparing our real, everyday lives to someone else’s highlight reel... comparison starts to steal our joy.”

Q: YOUR FOUNDATION FOCUSES ON THE “MOST VULNERABLE.” WHERE DID THAT CALLING BEGIN?

A: When I was 15, I met a boy in the Philippines who was treated as a throwaway because he was born with physical differences. That moment changed me. I realized God was calling me to pursue a different kind of MVP, not “Most Valuable Player,” but “Most Vulnerable People.”

Q: FINALLY, WHAT’S ONE THING PEOPLE MIGHT BE SURPRISED TO KNOW ABOUT YOU?

A: I have some weird coffee habits, which include protein powder, collagen, and cream all mixed together. I love golf dates with my wife. And every night, I bring snacks to bed to share with our dogs. It brings me more joy than it probably should.

This conversation barely scratches the surface. Tim goes deeper into the moments that rattled him, the joys of fatherhood, and one story he has never shared publicly until now. Scan the QR code for the full, exclusive City Lifestyle interview on Share the Lifestyle Podcast.

Zander Ferguson

Castle View High School Student of the Month

Education: Castle View High School Class of 2026

Activities: Nick Bottom in A Midsummer Night's Dream; CoDirector for The Little Princess; Webmaster for Thespian Troupe 7117; Castle View Tri-M Music Honor Society; Co-President CV Saber8 Choir

Future Goals: Bachelor of Fine Arts in Acting; Theatre and Film Career

Favorite Places: The Outlets at Castle Rock; Inconceivable Games

Significant Influences: Mama; Sister Charlie; Friends; Castle View VPA Department

Favorite Quote: "You’re only given a little spark of madness. You mustn’t lose it.” - Robin Williams

Congratulations Zander!

ARTICLE BY ALLISON SWAN PHOTOGRAPHY BY JANIE JONES

Inquiring Chef

START WITH A VEGETABLE

Jess Smith is the founder of the popular food blog InquiringChef.com, which she started in 2010 after moving to Thailand with her husband. She explored Thai cuisine, took cooking classes, and documented her experiences on the blog. Over time, her passion for cooking grew, leading her to focus on quick, easy meals for families. Today, Inquiring Chef receives over 5 million page views annually and supports a small team. She shares new recipes weekly through email, her blog, and social media, helping home cooks simplify mealtime without sacrificing flavor.

Smith is now an author. Her debut cookbook,  Start with a Vegetable, published in 2025 reimagines meal planning by putting vegetables at the center of the plate.

“Start with a Vegetable was the result of a natural transition in the way I started thinking about preparing dinner for my family. At the end of a busy day, I often didn't have the energy to think about dinner in parts by preparing a separate protein, vegetable, and starch,” says Smith. “I realized that if I put a vegetable at the center of the dish, the rest was easy to fill in.”

The book features 100 flexible recipes proving vegetables aren’t just a side—they’re key to simple, satisfying meals.

As chief recipe developer for the Cook Smarts meal-planning app, Smith worked closely with families struggling to get dinner on the table. She noticed a common challenge: people wanted to eat more vegetables but didn’t know how to build meals around them.

“As I started planning and testing recipes for the book, I just loved how easy it made dinnertime feel. Are there carrots in the fridge? Here are a bunch of ways to turn them into dinner. Nearly all of the 100 recipes are complete meals and include easy swaps to make them vegetarian. The book is truly flexitarian, with vegetable-forward recipes for all types of eaters.”

Unlike most cookbooks,  Start with a Vegetable is organized by ingredient. Each chapter focuses on a different vegetable, offering multiple ways to turn it into a meal.

“The concept is resonating with many readers who tell me they love that the chapters are organized by vegetable, making it easy to use whatever they have on hand.”

Smith went through a rigorous testing process, starting with over 300 ideas before narrowing them down to 100.

“I always have running lists of recipe ideas. I started sorting recipes into categories, making sure there was variety for each vegetable. I wanted different cooking methods and types of dishes, so each chapter might have a soup, a salad, a roasted dish, a stove-top dish, and a sandwich or pasta.”

After perfecting the recipes in her own kitchen, she passed them to a trusted friend, an everyday home cook, to ensure they worked under realworld conditions.

“I want to know how these recipes worked for a home cook who was shopping at regular grocery stores and trying to make dinner for a family on a weeknight. She sends me feedback on any ingredients that are hard to find, anything that is unclear in the recipe, and tracks how long it takes her to make it with real-life interruptions.”

To further refine the book, Smith enlisted 30 volunteer home cooks through Instagram and her email list to test the recipes.

“My goal was to ensure that the recipes in this book are reliable, easy, and adaptable. I wanted this to be a cookbook for real home cooks. I'm so grateful to that team of volunteers for helping to ensure that it is.”

To order a copy of the cookbook visit:  InquiringChef.com

CITRUS, CARROT, AND CHICKPEA COUSCOUS

Sweet carrots and tart cranberries complement each other in every bite of this tangy couscous. It makes a light meal on its own but becomes a showstopper when spread on a platter and topped with braised meat, roasted cauliflower steaks, or seared tofu.

Ingredients:

• 1 pound carrots

• one 15½-ounce can chickpeas

• 3 tablespoons olive oil

• 1½ teaspoons ground cumin

• ½ teaspoon ground ginger

• ½ teaspoon dried thyme

• ¾ teaspoon kosher salt, plus more for boiling

• ½ cup orange juice

• 1 cup water

• 1 cup dry regular or whole wheat couscous

• ⅓ cup sliced almonds

• 1 lemon

• ½ cup dried cranberries

• chopped fresh parsley for garnish

Directions:

Step 1. Preheat the oven to 425°F

Step 2. Peel the carrots and slice them diagonally into 1-inch ovals. Drain and rinse the chickpeas

Step 3. In a large mixing bowl, combine the carrots and chickpeas with 1 tablespoon of the olive oil, cumin, ginger, dried thyme, and ½ teaspoon of the salt, coating evenly.

Step 4. Line a rimmed baking sheet with parchment paper. Spread the seasoned veggies and chickpeas on it in an even layer.

Step 5. Bake until the carrots become tender, 25 to 30 minutes. Stir halfway through cooking.

Step 6. Meanwhile, in a medium saucepan over high heat, combine the orange juice, water, and ½ teaspoon of salt. When the mixture begins to boil, remove it from the heat, stir in the couscous, cover, and let stand for 5 minutes.

Step 7. When the carrots become tender, sprinkle the almonds on them and continue baking until the almonds lightly toast, 4 to 5 more minutes.

Step 8. Juice the lemon for 1 tablespoon fresh juice.

Step 9. In the same mixing bowl used to season the veggies, whisk together the lemon juice, 2 tablespoons of olive oil, and the cranberries.

Step 10. Fluff the couscous with a fork and add it to the carrots, chickpeas, and almonds. Stir well to combine.

Step 11. Serve warm or refrigerate for 30 minutes and serve chilled. Just before serving, stir in the parsley.

April Garden Guide

SPRING IS SPRINGING

ARTICLE BY DEBBIE HILL

Winter 2026 is in the books and it has been one of the driest and warmest winters on record. Hopefully, April brings lots of precipitation to our gardens. They definitely need the water. There is a lot to do in your April garden now. Here are some helpful tips for spring garden success!

If you have not amended your soil, now is the time add those nutrients. If you are unsure what your soil needs pick up a soil test kit or send a sample to the CSU Soil Testing Lab.

• Remove and dispose of leaves under trees and shrubs. There are many insects and diseases that will over winter in garden debris.

• Add one inch of compost to raised beds. Mix it into the top eight to ten inches of soil.

• Add pre emergent to lawns to help prevent crab grass, dandelions and other pesky weeds.

• Plant leafy greens like kale, lettuce, Swiss chard, spinach and arugula.

• Plant broccoli, cabbage and cauliflower starts.

• Direct sow parsley and chives.

• About four weeks before last frost sow radishes, beets, carrots, and turnips.

• Don’t forget about peas and potatoes.

• Hold off on warm season vegetables until after Mother’s Day.

Debbie and Nashville

Gardening is more than a lifestyle—it’s a passion cultivated over 25 years in landscape design. I cherish every moment spent nurturing the earth, watching beauty unfold, and sharing nature’s bounty. From vibrant blooms to fresh harvests, my hope is to inspire you to step outside, breathe deeply, and grow with intention. Let’s create something beautiful—together. Happy Gardening!

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ARTICLE BY SOPHIE BROCK

FOUR SIMPLE WAYS TO INVEST IN YOUR MORNING AND START YOUR DAY OFF ON THE RIGHT FOOT

habits morning for success

One of the best ways to invest in yourself is by creating a consistent and intentional morning routine. No matter how unpredictable or chaotic the rest of your day may become, starting your morning with self-care and purpose sets a positive tone that stays with you throughout the day.  Once you develop a morning routine that truly resonates with you, you’ll look forward to it every night, knowing it will set the foundation for a productive and fulfilling day.

If you’re ready to elevate your mornings, here are some meaningful ways to invest in your routine and start each day on the right foot.

Be Your Own Barista:

One of life’s simplest pleasures is savoring a homemade coffee each morning. While skipping the drivethru may be tough at first, brewing your own allows you to appreciate the process—and chances are, you’ll end up preferring your own perfect cup of joe.

Get Your Steps In:

An hour-long gym session before work may not be realistic, but a quick morning walk is. Use this time to clear your mind, enjoy nature, and listen to your favorite podcast or artist—an easy way to start your day feeling relaxed.

Enjoy Some Breakfast:

Breakfast is the most important meal of the day, yet often the most overlooked. Setting your alarm just minutes earlier to prepare a fresh, nutritious meal can transform your morning, fueling your body and mind for a more energized and productive day.

Read A Book:

Starting your day with a book is far more calming than scrolling through social media. Reading in the morning helps ease you into the day, providing a peaceful and mindful escape that sets a positive, focused tone for what’s ahead.

APRIL 2026

events

A SELECTION OF UPCOMING LOCAL EVENTS

APRIL 9TH - 12TH

Castle Rock Film Fest

Teology 330 Third St, Castle Rock, CO 80104

The Castle Rock Artist Alliance is proud to announce our third annual Castle Rock Film Festival, taking place in Castle Rock, Colorado.

Our festival is supported by the Castle Rock Artist Alliance. We are proud to say that all profits and donations from the Castle Rock Film Festival go to the CRAA Veterans and First Responders Art Therapy Program.

APRIL 10TH - 12TH

Castle Rock Home Show

Douglas County Fairgrounds 500 Fairgrounds Rd Castle Rock, CO 80104

Get ready, the Castle Rock Home Show is rolling into town, and it’s your onestop destination for everything home improvement. Whether you're dreaming of a backyard makeover, kitchen upgrade, or energy-efficient living— this is the place to meet the pros who can bring your vision to life. It’s fun, free to attend, and full of great giveaways and show-only deals!

APRIL 16TH

Parks and RecreationSummer Job Fair

Castle Rock Recreation Center, 2301 N. Woodlands Blvd. Castle Rock, CO 80104 | 3:30 PM

Staff will be on hand for in-person meet and greets regarding seasonal summer positions at the MAC, Recreation Center, and Burgess and Butterfield Crossing pools. Positions include camp counselors and aids, athletic officials and coordinators, league supervisors, pool coordina-

tors and lifeguards, special event assistants, and therapeutic recreation activity assistants.

APRIL 23RD

Wild in our Town

Philip & Jerry Miller Library, 100 S Wilcox St. Castle Rock, CO 80104 | 6:00 PM

Learn about local wildlife at this popular public education program. Natural resource staff and law enforcement representatives from the Town of Castle Rock, Douglas County Open Space, Colorado Parks and Wildlife, and Rocky Mountain Wildlife Alliance will provide interesting wildlife facts and answer questions about coyotes, bears, deer, mountain lions, bobcats, rattlesnakes, prairie dogs, beavers, turkeys and other native wildlife.

APRIL 23RD - 24TH

Arbor Day Tree Planting

Cobblestone Ranch Park; Mitchell Gulch Park | 9:00 AM

As part of the Town’s commitment to being a Tree City USA, the  POST Partners Volunteer Program hosts annual volunteer tree planting opportunities. Volunteering is a great way to celebrate the many benefits trees bring to our community — from cleaner air and water to cooler streets and healthier neighborhoods. Register today at volunteercastlerock.gov -  advance registration is required to participate.

MAY 2ND

Spring Up the Creek 2026

Various identified trails throughout Castle Rock. | 9:00 AM

Remember our creeks, rivers and lakes depend on you.

Join us in this annual area-wide effort to improve and enhance our local creeks by collecting and removing trash and debris along trails. Volunteers will be provided gloves and bags. Snacks and water will be available. All ages are welcome.

RESTORING HEALTH, HOPE AND LIFE

Our Mission is to Restore YOUR health, Restore YOUR hope and to Restore YOUR life through the best chiropractic experience on the planet.

The only chiropractic practice in Castle Rock with digital motion x-rays and 16 techniques to tailor our treatments to your individual needs.

Our extensive initial evaluation enables us to create a care plan to achieve your health goals. We work with families, pregnancy, athletes and pediatrics. We treat pain, migraines, headaches, depression and anxiety.

www.RestorationChiropractic.us

INGREDIENTS:

• 1 pint fresh strawberries

• 1 cup blanco tequila

• 1/2 cup cointreau or triple sec

• 3-4 limes (depending on how large they are)

• 1 tbsp agave

• Handful of basil leaves, thinly sliced

• 1 can sparkling water

• Ice

• Salt (optional, for rimming glass)

METHOD:

1. Squeeze the lime juice into a blender. Optional – use the squeezed limes to rub around the rim of your glasses and dip each glass into a small plate with salt to rim the edges. Add ice to the glasses and set aside.

2. Muddle the basil and set aside.

3. Add the strawberries, tequila, cointreau, and agave into the blender along with the lime juice. Blend on high speed until it’s a smooth, even consistency and the strawberries are completely blended (approx 1-2 minutes).

4. Strain the strawberry mixture through a fine mesh sieve to catch the seeds/any remaining pulp. If you don’t have a mesh sieve it’s not a big deal, the margs will just have a slightly thicker consistency.

5. Add the strained strawberry mixture to a pitcher. Stir in the basil and sparkling water. Pour into the glasses and serve.

Optional – if you want to spice it up, thinly slice up half a jalapeno and add it to the basil before muddling.

Strawberry Basil Margarita

The Perfect Post Tax Filing Cocktail

These margaritas get just enough sweetness from the fresh strawberries and the muddled basil is super refreshing. They’re the perfect post tax filing cocktail.

ARTICLE BY STEPHANIE - SAUCEDKITCHEN.COM

2026 CASTLE ROCK MARKET REPORT

The spring real estate market is starting to take shape, and we’re seeing encouraging signs for sellers across the board. Every major metric moved in a seller’s favor this month, which is a normal pattern as we head into the spring season. During this time of year, buyer activity typically increases, competition improves, and homes begin selling more quickly.

71 DAYS ON MARKET

If you’re thinking about selling this year, now is the perfect time to start preparing your home for the market. The right preparation can make a significant difference in how quickly your home sells and the price you ultimately receive.

If you’d like guidance on what improvements matter most, and what you can skip, feel free to reach out. I’m always happy to help. - Cameron

As demand grows, buyers tend to negotiate less while sellers often see stronger offers and improved sale prices. At the same time, more homes will start coming on the market, giving buyers additional options.

Interest rates are currently sitting in the low 6% range, and overall the market remains balanced.