Global wealth on paper went up by another 100 trillion during the pandemic. But in 2022, we've just seen the global balance sheet shrink a little bit for the first time. I think it's clear there's going to be a lot of supply for savings. We haven't just got that trend in the advanced economies. We've got that trend building up in more and more developed economies. There is obviously a supply of debts but there's also a demand for it.