 One way to look at this is mortgage debt out of control because mortgage debt getting out of control back in 2008 is really what caused the problem, Chrissie. And if you take a look at history, back in 2007, the first part of 2008, and I'm going to get a little bit policy wonky here and get a little bit out in the weeds with some numbers, but in that period of time, late 2007, early 2008, mortgage debt, household debt service,