 inflation is indeed up 20%. And that's where we see, even though wage growth does outpace inflation, it's not by very much. And then if you pivot and you take a look at the housing market, overall housing prices far outpace wage growth. That's where people are feeling a lot of frustration as well. They want to buy a house. Interest rates continue to be high. And you've got maybe one rate cut on the table from the Fed. We'll see.