The End of the Forbearance of Student Loan Repayment on Consumption

It's a definite drag. None of us knows how long it's going to take to work its way through the system, if it has or not. I don't see it being determinative in itself, but I also, but it's certainly a drag. And so it's one of those things that it adds to our part of our base case, which is that we're headed towards a recession,. ultimately, I mean, everyone's been all over the liquidity bus.