Okay, but even with regard to mortgages, if people who borrowed at record lows in 2021 and are dealing with a higher interest rate environment are coping with that by simply spreading the loan out over a longer period and/or borrowing more—maybe they're doing both, borrowing more and spreading it out over a longer period—at a certain point, that is not sustainable. How many times can a consumer really expect to do that, especially in an environment where per capita GDP is flat and has been flat for 10 years?
