 Guess what the average credit card rate is? It's 27.7%. They have almost 22% spread. Now, what's interesting is Chairman Powell is saying that the inflation rate is running, you know, their target is 2%. It's running ahead of that. The U.S. Department of Labor says it's 3.3%. But if you look at the Chapwood Index, which is my favorite index for the real cost of living that Americans are really paying,