As our income start to recover post-COVID, we are just spending an increasing proportion of the money that we earn going into the finance sector now because it's going on our mortgage. So less money for us to spend on goods and services, which is what would boost the economy and get the economy back on track. And well, maybe I think the ultimate thing is we're going to have to put a huge resources into repairing the environment. That's my ultimate concern. We're not already for what the environment is going to throw at the financial sector. This is the scary thing that we're frittering our capacities away on rising house prices when it's been facetious, but