 has increased from under 33% in 2010 to over 39% today. That's higher than I would have thought it would have been. 40% of people own their house outright. The big driving force is obviously an aging U.S. population with baby boomers retiring and paying those mortgages off. That means fewer households in the U.S. with any debt at all and an increasing number of households that are actually benefiting from higher rates via higher interest earned on your savings and safe money. So for a lot of you, when you look at...