 And you put all that together, and I think the Fed is finally starting to acknowledge, Fed Chair Powell said this week, that it's no longer overheated. I would go a step further and say we're starting to get into stall mode, but we'll see what he says at the end of the month. Well, Courtney, we got another indicator this week, the retail sales that came in better than expected in June. Now that that dust has settled a bit, how do you think that fits into the narrative?