Yes. I would just add a little bit of context and say that it's something we see every day—just the ability to afford the things that we all appreciate, to be able to send your kid to school, to be able to afford your own home. A lot of those things are becoming unachievable, and people are finding ways to attain them through debt.
People leaving school now can be strapped with $50,000 or $60,000 in debt, with pretty shoddy prospects of getting a decent job that will help them pay that debt down. That follows them through and pushes everything later in terms of their ability to pay down that debt and put down a mortgage for their next house.
I think there is a generational thing going on here, but there's also a cost of living that is really making paying for these essentials quite challenging for a lot of people. A lot of people are using debt in order to achieve those things, because that's the way we do things. We take a loan to go to school. We take a mortgage. We take a loan for a car. It's the way that is normalized now. And that credit is available.
It's a challenge on both fronts, affordability and also access to credit. I would agree that there is a cultural element to it as well.