 High inflation is eating away at that payment, making it easier. To your point, you're making a lot more money on fixed income and money market investments and CDs. The difficult part, I think, for inflation is everyone's personal inflation rates different. And it tends to hurt high inflation, like we've seen, tends to hurt those that really require a lot of credit. The lower quintile of the population is who's hurt the most. To your point, if you're wealthy, you don't mind high inflation. You already own assets. You don't require debt.