 You know, Steve, what's striking here is how there are these cross currents in the economy and people get pushed and pulled in different directions. You've got that factory owner who's on the one hand having her best year ever, but she's also seen her lease payments more than double. You've got the attorney who's managed to save some money during the pandemic while his student loan payments were suspended. But now he's back on the hook for those payments. And while President Biden's tried repeatedly to offer some loan forgiveness, he keeps getting blocked by the courts.