 So it has a restrictive effect. They've got to slow that down. And that's why you're seeing the borrowing demand come down and deployment of that borrowing. You're seeing consumer movement of money in our franchise come more consistent with a lower growth, low inflation economy. All that is going on. And that's where the next turn in the track is a trickier one. That was Bank of America CEO Brian Moynihan speaking with Bloomberg's David Weston. Listen to their entire conversation on the Bloomberg Talks podcast. Subscribe to hear all our high-profile discussions on Apple, Spotify, and anywhere you get your podcasts. Karen.