 the run-up in inflation. The Fed is trying to bring inflation back down to the target rate of 2%, but we're still far away from that. And that was a direct result of all of that spending and sending that money directly to people who primarily saved it during the pandemic, and then once things opened back up, went out and spent all that extra money they had been hoarding. And now they've spent it down, and we're still dealing with the inflation.