 That'll give us an x-ray into what the consumer is looking at in terms of credit card delinquencies, mortgages, how they're spending. So we're set up now to kind of focus over to the earnings side, but watch costs and watch what the consumer is doing with their finances. All right. Thank you so much, Joe, for your time this morning. Joe Quinlan is head of CIO Market Strategy for Merrill and Bank of America Private Bank. Karen.