 So I think what people can look forward to is potentially a world where we go back to something that allows your mortgage, allows your credit card payment to be a little bit less drastic than it is today, but probably not all the way down to where we were in that period after 2009. That said, there's a good reason for that. Growth is stronger than it was in that period. That was a long stretch of a very weak labor market and a very weak economy. And so the reason that rates are a bit higher is that we're having a much stronger economic backdrop.