The Negative Effects of Negative Credit on the Economy

I've got a feeling we're going to see negative credit turning up and that negative credit is what triggers the economic downturn. You can't pay your debt down without consuming less. So it's a double whammy. But then the central banks are saying, well, you beauty, that's exactly what we were trying to do. We were trying to get that demand down. It has far more whammy than they think because they're in their models, their mental model. Lending is an interpersonal thing. And so fill in Steve or Steve learns to fill.