Thanks, Chair Powell. Matt Eaggan from CNN. We re we we recently learned that average FICO credit scores are down this year by two points, the most since 2009 during the Great Recession, and delinquencies are high for car loans, personal loans, credit cards.How concerned, if at all, are you about the health of consumer finances. And do you expect today's cut will help. So, you know, we're aware of that.I think this default rates have been um kind of ticking up and we do watch that. Um they're not at a level ...