 So it's like this could be the new world where we have to start thinking about maybe we can't afford that big of a house, that big of a car, that big of a secondary home because of the payments. I mean, I think that's the hard reality if that's where this is going to stay. I hate to be the depressing radio right now. Greg's just telling me that things are going to get more expensive, but you guys have gone through drive-thrus and you guys...