Why do we expect real ROI to vary significantly based on whether the currency is inflating by 2% or deflating by 2% y/o/y? I would expect if I were a lender, and inflation increased, I would price that in to my new transactions, and I would think if I were a business, I would be impacted much more by my ability to convert real time and real resources into real value than by the number of loaves of bread I could buy if I spent all my cash reserves on them.