 real positive yields in the United States. And so all of those people that were doing the right thing are finally being rewarded again. And as rates continue to go higher, the people that were in love with debt and had way too much debt on their balance sheet are being punished. You know, the average interest rate on a credit card now is over 20%. And so if that's the life you're living, that's a quite painful way to get access to money is with a 20% revolving credit.