So I do actually think that's really interesting, the how am I doing and how do I feel about how I'm doing? Why does that disconnect matter? And is it better if I'm doing well, but feeling poor, like not feeling great about that? Or is it better if I'm not doing well and also feeling like I'm, or maybe feel like I am doing well? Like what's the, you know, kind of what should be, what's the right way to feel about that?

You know, there's a number of different, it's such a complex issue, but one of the things that our research has highlighted is one, we all know that the expenses are up.

Sure.

Across the board, you've got CPI that's, you know, roughly 30% higher than it was pre-pandemic.

Okay.

And then you really think we did some research that focused on what are the biggest drivers, fastest and biggest growing costs for American consumers.

And it's the things that we can't avoid.

It was

Right

... substantially similar rule on overdraft, I've seen headlines that suggest that banks may be reverting to something else and undoing those changes.

Again, remember, the changes were happening since 2009.

We had many of our members leading the way on those changes.

America's leading banks, because of technology and innovation, were really developing new products, grace periods, de minimis amounts.

Those have remained.

We went back and looked, and actually CPB continues to track the top 20 banks by overdraft, and those changes have all remained in place, and the vast majority of many changes over the last year, 2024 to 2025, are actually improving outcomes, actually making it less expensive for consumers.

What's that say to you?