 or vacations if you're lucky enough to go abroad. So that is not such a concern in the US. The third thing that they really point out in the IMF report is concerns about tariffs and whether these trade wars are really going to heat up again after the US election. Obviously, that's more of a warning sign going forward, but it's something that we all have to keep in mind. So overall, I would say the IMF is more in warning mode about what could work