 Well, there's a lot of concern about commercial real estate and those loans that are getting rolled over at a much higher interest rate. Although, to be fair, we haven't seen a lot of failures. There have been, of course, several high-profile bank failures, Silicon Valley Bank, for instance. But we haven't seen that ripple through the economy. That's good news. I think the consumer has remained relatively strong. However, we have been in a freight recession now for two years.