 So that is well, well, well below the levels at which we saw back in 2007 and 2008. That's very reassuring. Good stuff. That is very reassuring. And disposable personal income is up a lot higher now than it has been for a number of years. And mortgages are a lot more secure now than they have been for a number of years. So thank you very, very much. You know, some of the people you see on TV where they talk about how