The chart of the week looks at the consumer balance. As we have discussed, the consumer is a huge driver of economic growth. While consumers were able to save during the pandemic years, those savings continue to dwindle. As the chart shows, as these savings dwindle and the interest rates on debt have increased, the percentage of income and wages that consumers are paying for debt interest has increased dramatically, now reaching over 4%. The spending power of the consumer is one of the key points we continue to follow.