 My question is, should we buy it more today? I guess we should buy that argument today more than we should have a year ago, because every year that goes by, obviously more of these savings are being spent down. But I don't know. I struggle to, A, believe the story when it's kind of cried wolf a few times now, and, B, have any degree of certainty in terms of exactly what it means for the consumer and the overall economy.