 really through the pandemic. As a result of low rates, participants in our economy built up debt. Over the period, the consumer added over $5 trillion in debt, businesses added over $8 trillion, and our government added over $25 trillion, really the result of big deficit spending since then. So the economy needs to go through its fiscal transition, wherein each participant, the consumer, businesses, and our government manage higher debt costs and perhaps rein in debt levels.