 It seems more real this time, Sarah. There have been some reports about consumer debt starting to increase. We didn't have that problem before because all the free money sloshed around after the pandemic. But now consumer debt, credit card debt is starting to go up. So that's becoming an issue. And it's normal to have things in one cycle and then bounce back the other way. But the question is, how many times does that happen? I'd say if we get out toward the September Fed meeting. Yeah.