 are basically unchanged from their long-term level. They bumped up a little bit during the pandemic, but that's because Washington, D.C. was dumping all kinds of money into the economy. It was stimulus checks and money to state and local governments and tax forbearance, all the student loan forgiveness and all that. So it really comes back to D.C. politicians spending and borrowing way too much and that driving the inflation and the higher interest rates we've seen. And the really outrageous thing