 Well, you know, what we like to think of recessions or downturns, we would actually call this a depression. But any sort of economic downturn you really think of as a forest fire. I mean, there's an accumulation of deadwood and carbon and, you know, refuse that gets lent along in growing economic environments, low interest rate environments, you know, periods of economic prosperity where, you know, even poor managers and business owners can survive.