 And we are close to what has held up very well in the past. It's not a prediction, ironclad law of nature. It's just historically that's been true in the past. And it is a building weakness that we should keep an eye on. And the Fed should especially keep an eye on it. So the Fed should keep an eye on it, you argue, and the Fed should react to it. When do you think the Fed should react so they're not behind the curve?