Again, we tend to look at the relationship as really an equation. You have the buildup of debt, but you have growth in incomes, and the growth in incomes is tied to the growth in the economy. Obviously, as everyone does, we want the economy to grow. Good, healthy balances overall can contribute to some of that growth.
What it will mean for individuals--and again, we actually tend to look at it more from a macro perspective than from an individual perspective--is a slower growth in consumer spending going forward, so that we can bring back the savings rates to more sustainable levels, bring back the amount of debt relative to income over time. We've sort of built it into the forecast, but that does contribute to sluggish growth over the next few years.