 the current financial and economic situation that we have going on. How have you noticed it impacting people and your clients? I think one of the biggest things is that people are starting to see these higher interest rates affecting them and their monthly budgets. So some people who would carry a credit card balance, maybe not too significant, but as interest rates have gone up, they've actually seen the amount they're getting charged on their credit cards go up, right? They went to buy a new vehicle. And not only was the vehicle price slightly larger, but now the interest rate on that loan is larger. Right.