 Delinquency is on the rise. It's just what we talked about. So that kind of confirmed it. Though Ed Yardini, and he's a permabull, if you will. He really is always in all the time. But he said, hey, this whole consumer credit is not the issue they're trying to make it out to be. Consumer balances, all that. Because he said, as a percent of disposable personal income, so the payment...