 for a while we weren't seeing a lot of this because folks had a lot of extra savings from the pandemic they had pandemic money they weren't spending money on things like travel interest rates were incredibly low so people had a lot more cash on hand but that we pretty much um you know pretty much spent through that at this point we're also watching delinquency rates um as of the end of march they were at about 3.2 percent of outstanding debt in some form of