 And you get jammed up, and there's only so much new debt you can take on, and you can't make your mortgage payment anymore. Is real estate defaults going to be on the rise? You'd have to think that might be a challenge with people, especially those that have taken out higher interest rate mortgages over the last year or two. Instead of getting a three or four, they got a six, seven, or maybe even an eight. You'd think that that challenge might be there. Delinquencies on credit card debt.