And joining us right now is Liz Ever Chrisberg. She's the head of the Bank of America Institute. Again, Liz, this is based on how many million.Tens of millions. >> 70 million. >> 68 I was going to say.Okay. So, almost 70 million accounts that you're watching. This is real information.We've been at a disadvantage not getting information from the government on some of these things. Let's talk about what's different. And I think the first thing is is that consumer spending slowed down.>> So, consumer spending ...