 In order, that was Lupin Skelly at Deloitte, Jessica Ramirez at Jane Halley & Associates, and Keisha Virtue with JLL. She says the main thing holding spending back is, not surprisingly, inflation. It's cooled in recent months, but rising prices over the last few years are eating into household budgets. Consumers are still really feeling that pressure from those higher prices overall, and they're adjusting their spending accordingly.