Credit Spreads in the Market

We're reaching pre pandemic levels in terms of balances on credit cards. That's not the end of the world, right? But when we see those balances increase, and now they're increasing at higher interest rates, that's something that we want to watch and keep an eye on. Same thing when it comes to corporations,. We haven't really seen that widen out. Those are some areas that could create continued pain in the market.