Yes. If you look at the first half of the year, we have $8 billion of extra money just because of the fact that the economy was surprising us on the upside. But you know what? Easy come, easy go. This money will not be available in the next six months, because the economy will surprise us on the downside. It's already happening.
You basically see that it's not so easy to maintain this kind of revenue stream, especially if we are right that this economy is going to slow down over the next 12 months. So yes, it is going to be a major challenge to collect this money, given that there will be a slowing economy.