I think we have a fighting chance to get through this without going into a downturn. I feel as if a recession is a natural part of the economic cycle and kind of cleans out some stuff and sort of a reset. The banking system is on a solid financial ground as it's ever been. It strikes me that every moon is lining up for a massive decrease in inflation. So just adding it all up, it feels like the consumer can hang in tough,. Just continue to do their thing if they do, then we'll avoid recession.