So you piece all these things together, does it start to paint a picture of a consumer starting to hit a wall of sorts when it comes to borrowing and spending. And should we be concerned when it comes to banks and financial firms and the markets. Sky, >> I believe so, but I also think well I don't think today was quarter end month end obviously, so maybe there's some rebalancing.So I want to make a huge deal at it. But with that said, credit scores are now falling the fastest pace since the great financial ...