There are a number of headwinds. One, we've got high interest rates. We see 71% of our small business owners saying that inflationary pressures have increased in the last three months. The third thing we're seeing is workforce challenges. 78% of small businesses say they're having trouble finding qualified applicants for their open position. And, fortunately, we've still got supply chain issues that are problematic. Now, is there some relief around the debt ceiling? Absolutely. I would bet on them any day.