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and that�*s a really important factor of economic stability. but most businesses are focused on the short term. turning our focus to consumers for a moment, you look at things like retail sales, they were off a little bit, but some of the supermarkets had very good christmases, whatever. ijust wonder how people are paying for this stuff. when you look at things like savings, credit card balances, what�*s the picture there, and what does that mean for the wider economy? so it�*s interesting, we�*re seeing things like subscription levels being adjusted. we�*ve seen through our debit card spending, for example, people changing where they spend their money. so maybe rather than spending at a higher supermarket cost point, sort of a lower supermarket cost point. so we�*re seeing those adjustments in spending. interestingly, in q3 last year, we saw deposit levels go down