Yes, I do. That's what the data indicates.
What we're seeing is that rising mortgage costs and rising interest rates first are impacting households that tend to have a little less income. That's in the lowest quintile of households. Those households typically do not own homes, but they do have credit cards and car loans. We are seeing rising delinquencies in that space, and that is a concern.
What I can tell you is that the financial institutions we regulate are absorbing those higher credit costs without material threat to either their earnings or their capital.