Perhaps I could add one more point. During the pandemic, oil demand dropped to 95 million barrels a day. It's back at 100 million barrels a day, and aviation is not fully back online. It's going to go up when it does.
All of this is very connected to people's standard of living, to global supply chains, and to the tractors that run every farm in the world. If there is no substitute—I appreciate Ms. Tucker's comments—that is going to replace all of that, when you cut off supply....
When you talk about stopping lending, you're talking about preventing businesses from providing a product that people need to operate the things that people need.