Look, we faced a situation in March 2020 where we really didn't know what was going to happen. We didn't know what COVID was going to do and how we were going to control it. You sat here in 2020 and you had to make decisions, the government had to make decisions, on how to deal with it, and I think it's very hard to fault the decisions at that time. We did not know at that time what we were up against.
I think your comment is much more trenchant with respect to what happened after the second half of 2021. I think that is much more trenchant when we should have known better, although most economists on the outside—not me—thought we would come through this relatively easily and that rates would not go up. There were only a few of us who kept warning, quite frankly, that we were going to be into high rates.