interest rates, the service of your debt which is much bigger now because of covid and the help to the economy will be much higher. and then on the demand side, we don't know what consumers will do. will they continue to spend like they did because they used savings accumulated during lockdown, or will they be more wary because of inflation and interest rates? and also the other side is the problem of the crisis of the property, the real estate. because in the us and in the uk in particular, growth depends on consumption and real estate. all this makes it really difficult to predict, but whatever happens, unfortunately, there will be a bumpy ride. bronwyn, 2022, unlike the year just going, could be seen as a sort of a year in which perhaps it's not so much a matter of life and death, covid, but a matter