 And the damage is done, right? I mean, we hit the consumers upside the head so hard with a 20% increase in prices in a very short period of time, all at a time when people are having to work two or three jobs in order to make ends meet. And their wage growth has not been able to keep up with the price increases. And so the consumer now is begging for more credit. The credit is not there because the banks are under duress themselves.