 Well, in May, consumer credit rose by $11.4 billion, a significant increase from April's 6.5. This according to Federal Reserve data. The report noted that credit card interest rates stood at 22.76% in May, just below a 1994 record. And the interest rate for a 60-month new vehicle loan from a bank was 8.2% near a record high. Chip, 60 months at 8.2%. No, thank you, sir.