Buyer Agent Commission 2025: Navigating the New Real Estate Landscape in Southern Colorado

The world of real estate is always evolving, but recent changes have truly reshaped how homes are bought and sold across the nation. For anyone looking to buy or sell in Colorado Springs and Southern Colorado, understanding these shifts, particularly concerning buyer’s agent commissions, isn’t just helpful—it’s essential.

At 719 Lending Inc., we believe in empowering our clients with transparent, expert-level guidance. You might have heard whispers, or perhaps even seen headlines, suggesting that buyer’s agent commissions have actually risen slightly since the National Association of Realtors (NAR) implemented new rules. Despite initial predictions, average buyer agent commissions have remained largely stable in 2025, with some slight increases. The average buyer’s agent commission, based on national trends and historical data, has shifted over the years but currently hovers around 2.5% to 3% of the sale price, reflecting both industry changes and regional variations. The u.s buyer’s agent commission has fluctuated in recent years due to evolving market conditions, regulatory changes, and legal settlements, but overall, the national average has remained relatively consistent.

The National Association of Realtors’ commission lawsuit settlement led to the decoupling of buyer’s and seller’s agent commissions. When looking at national statistics, the average U.S. buyer’s commission rates have shown only modest changes, with most markets still seeing similar percentages as before the settlement. Let’s dive deep into what’s happening, why, and most importantly, what it means for your homeownership journey.

In March 2024, NAR reached a $418 million settlement to end multiple antitrust lawsuits brought against it and other brokerages by home sellers. This settlement has had a significant impact on how buyer’s agent commission and seller’s agents operate, changing the way commissions are negotiated and disclosed. Many real estate agents are considering leaving the industry due to the changes in commission structures. Commission payments can now be structured as a percentage of the final sale price, a flat fee, or even ‘a la carte’ fees for specific services.

The Seismic Shift: Understanding the New NAR Rules

For decades, a customary practice in real estate involved sellers offering compensation to a buyer’s agent directly through the Multiple Listing Service (MLS). This system, while familiar, came under scrutiny, leading to a landmark settlement by the National Association of Realtors (NAR). The settlement, which included a $418 million payment to resolve antitrust lawsuits brought by home sellers, mandated significant changes to how agent commissions are handled.

Effective August 17, 2024, two pivotal changes went into effect:

1. No More Compensation Offers on the MLS: Sellers’ agents can no longer advertise offers of buyer’s agent compensation on the MLS. This doesn’t mean sellers can’t still contribute to buyer agent fees, but it shifts the negotiation and visibility of that compensation. Now, commissions paid to buyer’s agents are negotiated separately and are no longer automatically offered via the MLS, reflecting a new level of transparency and flexibility in how compensation to buyer’s agents is determined.
2. Mandatory Buyer Agency Agreements: Before an agent can provide services like touring homes or negotiating offers, buyers must now sign a written agreement with their agent. This agreement explicitly outlines the services provided, the agent’s compensation, and how it will be determined (e.g., a set dollar amount, flat fee, or percentage). These changes, introduced in 2025, reflect a shift in buyer agent commission structures following the NAR settlement. The decoupling of buyer’s and seller’s agent commissions, a direct result of this settlement, fundamentally alters how these fees are negotiated.

Historically, the typical commission rate was around 6%, usually split between the buyer’s agent and seller’s agent. Currently, the average total real estate agent commission is about 5.57%, with the average split being 2.82% for the listing (seller’s) agent and 2.75% for the buyer’s agent.

The core intent behind these changes was to foster greater transparency and empower consumers to negotiate commissions directly with their agents. In this new landscape, seller’s agents and buyer’s agents have evolving roles: seller’s agents are no longer required to advertise commission offers on the MLS and must now negotiate and disclose their compensation more directly, while buyer’s agents must secure written agreements with clients, making their compensation and services more transparent and open to negotiation. So, with this in mind, why would commissions potentially be on the rise?

How Real Estate Transactions Work in 2025

The real estate industry in 2025 looks markedly different from just a few years ago, thanks to sweeping changes in commission rules and the influence of the National Association of Realtors (NAR) settlement. Today, the process of buying and selling a home is more transparent and flexible, giving both buyers and sellers greater negotiating power and more options when it comes to real estate agent fees.

Under the new industry rules, the traditional model—where home sellers automatically paid commissions for both their own agent and the buyer’s agent—has been replaced by a system where commission responsibilities are negotiated upfront. Now, buyers and sellers work together to determine who pays the buyer’s agent commission, and at what rate. The commission to buyer’s agents is now subject to direct negotiation and is increasingly influenced by current market dynamics, such as inventory levels and buyer demand. This shift has led to a more open dialogue about agent compensation, with both parties able to tailor agreements to fit their needs and the realities of the local market.

Recent data from Redfin and other industry sources show that the average U.S. buyer’s agent commission has edged up to 2.42% in the third quarter of 2025, a modest increase from the previous year. This uptick is largely a result of a slower housing market, where homes are not selling as quickly and buyers have more leverage to negotiate favorable terms—including the possibility of sellers offering to cover part or all of the buyer’s agent commission to make their listings more attractive. In markets like Southern Colorado, this means more sellers are willing to negotiate on agent compensation to ensure their homes stand out among a growing inventory.

The rise of online real estate platforms, such as Redfin, has also played a significant role in shaping commission trends. These platforms provide buyers and sellers with more data, greater transparency, and access to a wider range of real estate agents, including Redfin agents and Redfin partner agents. As a result, clients can compare agent commission rates, track fees, and choose the compensation structure that best fits their goals—whether that’s a traditional percentage, a flat fee, or a discounted rate.

With these new rules in place, real estate agents are adapting by offering more flexible service models. Some agents now provide a la carte services or tiered pricing, allowing buyers and sellers to pay only for the support they need. This trend toward lower costs and greater customization is expected to continue, as the real estate industry responds to consumer demand for transparency and value.

For buyers, this means you have more negotiating power than ever before. You can work with your own agent to structure a compensation agreement that reflects the level of service you want and the realities of your budget. For sellers, it’s important to understand how offering a competitive commission to buyer’s agents can impact the speed and success of your home sale, especially in a market where homes are not selling as fast as they once did.

As the real estate industry continues to evolve, staying informed about commission rules, average commission rates, and local market trends is essential. Whether you’re a first-time buyer, a seasoned investor, or a home seller, working with knowledgeable real estate agents who understand the latest industry rules and can guide you through the negotiation process will help you achieve the best possible outcome in your next real estate transaction.

The Evolving Role of Buyer’s Agents in 2025

The real estate industry in 2025 is experiencing a transformation, and nowhere is this more evident than in the evolving role of buyer’s agents. With the introduction of new commission rules by the National Association of Realtors (NAR), buyer’s agents are now operating in a landscape defined by greater flexibility, transparency, and negotiating power. These changes have shifted the traditional model, where sellers routinely paid both their own agent and the buyer’s agent, to a system where commission responsibilities are negotiated upfront—giving buyers and sellers more control over the process.

One of the most significant impacts of these new industry rules is the increased negotiating power that buyers and their agents now hold, especially in housing markets that have slowed. In the third quarter of 2025, the average buyer’s agent commission in the U.S. rose to 2.42%, roughly the same level as the previous quarter, reflecting a market where buyers can often secure more favorable terms. Redfin agents and Redfin partner agents have observed that sellers, eager to attract offers in a competitive environment, are more willing to offer higher commissions to buyer’s agents. Conversely, in markets where demand is high, buyers may negotiate for lower commissions, demonstrating the new flexibility in agent compensation.

The rise of online real estate platforms has further influenced the role of buyer’s agents. Companies like Redfin have introduced alternative compensation models, such as flat fees and tiered commissions, which appeal to clients seeking lower costs and more transparency. These innovations have not only saved customers significant amounts—over a billion dollars, according to Redfin—but have also encouraged more direct communication between agents and clients about real estate agent fees and the value of professional representation.

Commission trends in 2025 show that the average buyer’s agent commission remains stable across most price tiers, with homes priced under $500,000 seeing the highest average commission rate at 2.52% in the third quarter. This suggests that buyers in this segment continue to prioritize expert guidance, even as the market offers more options for structuring agent compensation. Redfin partner agents report that the new commission rules have led to more open discussions with clients, helping them understand exactly what services they are receiving and how much they are paying.

The National Association of Realtors has played a pivotal role in shaping these changes, with its recent settlement prompting a shift toward more transparent and negotiable commission structures. As a result, both buyers and sellers are benefiting from a real estate industry that is more responsive to their needs, with agents adapting to offer a wider range of service and fee options.

For anyone navigating the real estate market in Southern Colorado, understanding the average buyer’s agent commission and the factors that influence real estate agent fees is essential. The commission rate can vary based on location, property type, and market conditions, so staying informed about current trends and negotiating power is key. As the industry continues to evolve, buyers and sellers can expect even more innovative approaches to agent compensation, making it easier to find a solution that fits their goals and budget.

By keeping up with the latest commission rules, market trends, and the evolving role of buyer’s agents, clients can make smarter decisions and enjoy a more transparent, flexible, and cost-effective real estate experience. Whether you’re working with traditional agents, Redfin agents, or partner agents, the future of real estate is all about empowering clients with choice, clarity, and confidence.

Factors Affecting Commission Rates in 2025

The landscape of real estate agent fees in 2025 is shaped by a dynamic mix of industry rules, market conditions, and evolving client expectations. The national association of realtors (NAR) introduced new industry rules that decoupled buyer’s and seller’s agent commissions, fundamentally shifting how agent compensation is negotiated and paid. This change has given buyers more negotiating power over sellers, allowing them to advocate for higher commissions to their own agents—especially in situations where they may be the only offer on a property. As a result, the average buyer’s agent commission has climbed to roughly the same level as seen in the first quarter of 2024, reflecting the increased leverage buyers now hold in many transactions.

Market conditions have also played a pivotal role in shaping commission trends. In the third quarter of 2025, Redfin agents and Redfin partner agents reported that the average U.S. buyer’s agent commission reached 2.42%. This modest increase is closely tied to a slower housing market, where homes are taking longer to sell and buyers have more options. In these conditions, sellers are often more willing to pay a higher agent commission to attract serious buyers, making their listings stand out in a crowded market. Conversely, in local markets with high demand and limited inventory, sellers may have more leverage to negotiate lower commissions, but in most areas, buyers are enjoying more negotiating power than in previous years.

Local market factors, such as home prices and the volume of homes sold, continue to influence commission rates. For example, Redfin partner agents have observed that homes priced under $500,000 saw the highest average buyer’s agent commission in the third quarter, as buyers in this price tier prioritize expert representation. Meanwhile, commission rates across other price tiers have remained largely steady, demonstrating how local market dynamics and price points can impact agent compensation.

The structure of real estate agent fees is also evolving in response to the new NAR rules. Many agents are adopting more flexible commission models, such as flat fees or tiered commissions, to remain competitive and better serve their clients. The integration of technology and digital tools has further streamlined the process, making it easier for agents to track fees, manage payments, and provide transparent service to buyers and sellers alike.

Ultimately, the factors affecting commission rates in 2025 are complex and interconnected. The interplay between new industry rules, shifting market conditions, and local trends has led to a real estate industry where agent commission is more negotiable and tailored to the needs of each transaction. For buyers, sellers, and agents in Southern Colorado, understanding these factors is key to navigating the market with confidence and ensuring that every client receives the best possible service.

Dispelling the Myth: Have Buyer Commissions Really Risen, or Just Evolved?

It’s a headline that catches your eye: “Average Buyer’s Agent Commission Has Risen Slightly Since New NAR Rules Went Into Effect.” This certainly seems to contradict the spirit of the NAR settlement, which many hoped would lead to lower overall costs. However, recent data from sources like Redfin indicate that after a slight dip immediately following the announcement and implementation of the new rules, buyer’s agent commissions have, in fact, nudged upward. For instance, the average U.S. buyer’s agent commission rose from 2.36% in Q3 2024 to 2.42% in Q3 2025, reflecting a modest increase over the year. The average U.S. buyer’s agent commission was 2.42% for homes sold in the third quarter of 2025, up from 2.36% a year earlier.

A new report analyzing listing data and closed home sales provides updated statistics on the average buyer’s agent commission and U.S. buyer’s agent commission in 2025, confirming these recent trends. Notably, transactions where Redfin agents represented the buyer are excluded from certain datasets to focus on industry-wide commission rates.

So, what’s behind this unexpected trend? It’s not as simple as a direct increase in agent fees. Several market dynamics are at play:

• Buyer Leverage in a Slower Market: In many areas, including parts of Southern Colorado, we’ve seen a shift towards a buyer’s market or a more balanced market. When inventory is up and homes aren’t selling as quickly, buyers have negotiating power. In slower housing markets, more sellers may only offer higher commissions to buyer’s agents to attract offers when homes are not selling fast. If a seller knows a buyer has more options, offering to cover their agent’s fee can make their listing more attractive.
• Continued Seller Contribution: Despite the ability to no longer advertise it on the MLS, many sellers’ agents are still recommending that sellers offer a contribution towards the buyer’s agent commission. Why? Because it widens the pool of potential buyers, particularly those who might be cash-strapped for upfront costs, ultimately helping the seller achieve a quicker sale at a better price.
• Negotiation and Value Proposition: The new rules emphasize direct negotiation between buyers and their agents. This means agents knowing when to request higher commissions based on market conditions is crucial, and buyer’s agents leverage their expertise to secure the best terms for their clients. When buyers understand the expertise, negotiation skills, and market insight an agent brings (especially in a complex market like Colorado Springs), they may be more willing to agree to competitive compensation.
• Increased Transparency Leading to Clarity: While the structure of commissions has changed, the total cost might be experiencing a rebound as the market adjusts to the new transparency. What was once “baked in” is now explicit, and market forces are finding a new equilibrium.

When comparing commission trends over time, the average U.S. buyer’s agent commission has not returned to the high of 2.51% last seen in Q1 2023, but is inching closer. The average U.S. buyer’s agent commission has seen a modest decline in some regions compared to the previous year, with changes often measured in basis points. However, recent quarters have shown a slight increase, reflecting ongoing market adjustments. The average buyer’s agent commission was 2.43% in the second quarter of 2025, showing stability in commission rates across price tiers.

In terms of price tiers and market adjustments, the average buyer’s agent commission for homes selling for $1 million or more was 2.22% in the third quarter of 2025, which is below the 2.24% recorded a year ago.

It’s crucial to understand that while the average percentage might have rebounded, the conversation around compensation is now far more open and negotiable than ever before. This is a win for informed consumers.

In dual agency scenarios where both the buyer and seller are represented by the same agent or firm, the commission to buyer’s agents and seller’s agents may be affected, impacting fiduciary duties and negotiation dynamics.

Industry analysts track fees and use listing data to monitor changes in home sales, homes sold, and commission rates, providing valuable insights into market trends. Real estate news frequently highlights these developments, emphasizing the impact of new commission structures on the broader housing markets.

What This Means for YOU, the Homebuyer in Southern Colorado

For prospective homeowners, veterans, and investors in Colorado Springs, these changes fundamentally alter how you’ll approach working with a real estate agent. The evolving role of buyer’s agents in the real estate market—especially following the new commission rules—means their compensation is now more negotiable, giving buyers increased leverage and impacting agent-client dynamics. Buyer’s agents play a significant role in guiding clients through the transaction process, and their commissions are directly affected by new industry rules and shifting market conditions, which can influence both the services offered and the overall cost to buyers.

1. The Power of Direct Negotiation

You are now in the driver’s seat when it comes to your buyer’s agent’s compensation. Before you even tour a home, you’ll sign a written agreement with your agent outlining their fees and the services they’ll provide. This is your opportunity to discuss and negotiate. Don’t be shy! A good agent will clearly articulate their value and be transparent about their compensation structure, whether it’s a percentage, flat fee, or hourly rate. The commission payment can also be structured as ‘a la carte’ fees for specific services, giving buyers even more flexibility in how they compensate their agents. With the new rules, buyers now have increased negotiating power regarding compensation to buyer’s agents, shifting the dynamic and allowing for more direct influence over commission negotiations and potentially more favorable terms. Buyers using their own agents can influence commission negotiations and potentially secure more favorable terms.

2. Understanding Payment Options for Your Agent

This is where your trusted mortgage broker comes in. How your agent is paid has significant implications for your financing.

• Seller Concession: The most common scenario post-settlement is still expected to be the seller offering a concession to cover some or all of your buyer agent’s fee. This is often negotiated as part of your offer to purchase. The good news is that for conventional and FHA loans, these seller credits for commissions are generally not counted against the standard “Interested Party Contribution” (IPC) limits. This means sellers can often contribute to your agent’s fees without impacting the caps on other seller concessions for closing costs or rate buydowns.
• Direct Payment Out of Pocket: If the seller is unwilling to offer a concession, you might need to pay your agent’s commission directly at closing from your own funds. This highlights the importance of budgeting for all aspects of your home purchase.
• Financing into Your Loan (A Common Misconception): This is a critical point we at 719 Lending Inc. want to clarify: You generally cannot explicitly finance your real estate agent’s commission directly into the principal balance of your mortgage loan—whether it’s Conventional, FHA, or VA.

   *The confusion often arises because buyers* can* sometimes reduce their cash outlay for a down payment to free up funds for commissions, essentially adjusting their cash to close. However, this is not the same as adding the commission amount to the loan itself. It means you're potentially increasing your loan-to-value (LTV) ratio and possibly requiring private mortgage insurance (PMI) if you drop below certain down payment thresholds.

*   **The takeaway:** Work closely with your 719 Lending Inc. mortgage advisor to understand your total cash-to-close requirements and how commission payments fit into your budget.

Navigating the New Landscape: A 719 Lending Inc. Perspective

These changes underscore the importance of having a knowledgeable mortgage partner by your side. At 719 Lending Inc. in Colorado Springs, we specialize in helping Southern Colorado homebuyers, veterans, and investors navigate complex financing scenarios with clarity and confidence.

Special Considerations for Specific Loan Types:

• VA Loans: Historically, VA loan rules prohibited veterans from paying real estate agent commissions directly. However, in response to the NAR settlement, the VA issued a temporary policy change, effective August 10, 2024, allowing veterans to pay “reasonable and customary” buyer-agent fees directly. Crucially, these fees cannot be financed into the VA loan itself; they must be paid out of pocket at closing. This change ensures VA buyers remain competitive in the market, but careful budgeting and understanding these new guidelines are essential. We’re here to guide our veteran clients through these nuances.
• FHA Loans: FHA guidelines allow sellers to offer concessions up to 6% of the purchase price. As mentioned, seller-paid buyer agent commissions are generally not counted against these interested party contribution limits. However, similar to other loan types, the buyer’s agent commission cannot be financed into the FHA loan amount.
• Conventional & Jumbo Loans: These loans generally offer more flexibility, but the principle remains: direct financing of buyer agent commissions into the loan is not permitted. Seller credits for commissions are typically excluded from IPC limits, making seller contributions a viable option.

Our Commitment to You:

At 719 Lending Inc., we pride ourselves on transparency, honesty, and exceptional service. We blend cutting-edge technology with personal care, offering real-time updates through our online portal and direct communication. We understand that navigating commission structures, especially with new rules, can feel overwhelming. Our team is dedicated to:

• Explaining Your Options: We’ll break down how commission payments might impact your specific loan type and overall cash to close.
• Budgeting Assistance: We’ll help you factor in all costs, including potential buyer agent fees, so you’re fully prepared.
• Connecting You to Resources: For our Realtor partners, we emphasize the importance of clear buyer agreements and how to effectively communicate compensation options to clients from the start.

For Our Valued Realtor, Builder, and Investor Partners

These changes present both challenges and opportunities. For our real estate professional partners, clear communication with your clients about your value and compensation structure is more vital than ever. The mandatory buyer agency agreement is a tool for transparency and solidifying your relationship with your clients from day one.

Investors, too, need to understand how these commission shifts affect their overall deal analysis and financing, especially when considering DSCR loans or other investment property financing where cash flow is paramount. At 719 Lending Inc., we are committed to being a resource for you and your clients, offering fast communication and personalized guidance to ensure seamless transactions.

Looking Forward: An Empowered Future for Homebuyers

While the real estate industry continues to adapt, the ultimate outcome of these changes should be a more transparent and consumer-friendly process. The days of opaque commission structures are behind us. Buyers are now empowered to ask questions, negotiate, and understand precisely what they are paying for in professional real estate representation. The settlement changes are expected to lead to a more competitive real estate market, potentially lowering costs and house prices for buyers in the long term.

Changes in commission structures also affect home sellers and their negotiating power, as they must now consider how to structure offers to attract buyers and their agents in a more competitive environment.

At 719 Lending Inc., we are here to ensure that as you navigate these new waters, you do so with confidence. Whether you’re a first-time buyer embarking on an FHA or VA journey, a move-up client considering a conventional or jumbo loan, or an investor seeking DSCR financing, our team is ready to provide the trusted guidance you need.

Don’t let the complexities of real estate commissions deter your homeownership dreams. Reach out to 719 Lending Inc. today, online or in person at our Downtown Colorado Springs office. Let’s make your next homebuying experience in Southern Colorado a clear, confident, and successful one.

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Excerpt: The real estate landscape has shifted dramatically with new NAR rules affecting buyer agent commissions. While many expected a decline, data shows these fees have actually nudged slightly higher. Dive into what’s driving these changes, what it means for you as a homebuyer, and how 719 Lending Inc. can provide expert guidance for your FHA, VA, Conventional, or Jumbo loan in Colorado Springs. Learn how to navigate negotiation, payment options, and avoid common misconceptions about financing commissions.

Agent Commissions and Home Prices

Understanding how agent commissions interact with home prices is more important than ever in today’s real estate industry. As the national association of realtors (NAR) has ushered in new industry rules, the average buyer’s agent commission has seen subtle shifts, reflecting broader changes in the market and the way real estate agents serve their clients.

In the third quarter, the average U.S. buyer’s agent commission was 2.42% for homes sold in the third quarter of 2025, up from 2.36% a year earlier. This stability comes even as the market has slowed, giving buyers more negotiating power over sellers. In Southern Colorado and similar markets, this means buyers can often secure more favorable terms, including the possibility of sellers covering part or all of the agent commission to make their listings stand out.

Real estate agents, especially buyer’s agents, remain essential guides through the complexities of home buying and selling. Their deep knowledge of the local market and ability to negotiate on behalf of their clients can make a significant difference, particularly as commission structures become more transparent and flexible. For homes priced under $500,000, the average buyer’s agent commission reached 2.52% in the third quarter of 2025—the highest since 2023. This suggests that in this price tier, buyers are prioritizing expert representation, even if it means a slightly higher commission rate.

The traditional model—where sellers pay commissions for both their own agent and the buyer’s agent—is no longer a given. Under the new industry rules, commission responsibilities are negotiated upfront, allowing for more flexibility. Some sellers may still choose to pay the buyer’s agent fee to attract more buyers, while others may negotiate different arrangements. This shift, driven by the NAR settlement, banned the longstanding practice of advertising commission rates to be paid to buyers’ agents in home listings.

Recent analysis from Redfin, which tracks data from both Redfin agents’ listings and deals referred to Redfin partner agents, shows that while the average buyer’s agent commission has not returned to the high of 2.51% last seen in Q1 2023, it is inching closer. After a brief dip following the NAR’s announcement of new commission rules, rates have steadily increased, mirroring a market where buyers have more negotiating power and sellers are motivated to make their homes more appealing. The average buyer’s agent commission was 2.43% in the second quarter of 2025, showing stability in commission rates across price tiers.

Looking at commission trends by price tier, the third quarter saw largely flat rates across the board. Homes between $500,000 and $999,999 had an average buyer’s agent commission of 2.32%, a slight decrease from the previous quarter but a modest increase from a year earlier. For homes selling at $1 million or more, the average buyer’s agent commission was 2.22% in the third quarter of 2025, which is below the 2.24% recorded a year ago. These subtle shifts highlight how u.s buyer’s agent commission rates are influenced by both market conditions and the specific price tier of the home.

The rise of discount brokerages and online real estate platforms is also reshaping the landscape. Many agents are now offering lower commission rates or alternative compensation models, such as flat fees or tiered pricing, to appeal to cost-conscious buyers and sellers. This trend is expected to continue, as more clients seek lower costs and greater transparency in their real estate transactions.

Ultimately, the relationship between agent commissions and home prices is shaped by a mix of market dynamics, negotiation, and evolving industry rules. For buyers and sellers in Southern Colorado, staying informed about these commission trends—and working with real estate agents who understand the local market—can provide a real advantage. By tracking average commission rates, understanding the impact of new rules, and exploring flexible fee structures, you can make confident decisions that align with your goals in today’s ever-changing real estate industry. Over the past two decades, the average buyer’s agent commission has declined from about 3% in the late 1990s to approximately 2.7% today, reflecting broader industry shifts.