 In the short term, yes. In the medium term, yes, but indefinitely, no. So our position is essentially that the ticking debt time bomb that everyone watches to varying degrees or is at least, I hope, generally aware of goes off at the end of the decade. It goes off in terms of really an economic downturn that would make 2008 and 2009. If we only got that level of decline, we would call that a win because we think it's going to be worse.