Household debt is very funny because if it's revolving debt like Nordstroms and Ann Pail or whatever, have you ever looked at your statement to really see what those companies are charging you? It's 18, 19, 20% is what the annual interest rate, which I mean, it's luxurious. But as people start to rack up debt and they're not paying off those credit cards every month, those interest charges continue accumulate and they accumulate faster. The newly Republican controlled house is trying to pass a measure that would abolish the IRS and implement a new flat consumption tax. What do you make of that move?