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There are increasing reports and surveys around the U.S. that lending is getting tighter following the recent banking stress. Are you seeing evidence of that in the data? And do you agree with the IMF assessment that a credit that a credit crunch increases the likelihood of a hard landing, whether in the U.S. or globally? So I've not really seen evidence at this stage suggesting a contraction in credit, although that is a possibility. I believe our banking system remains strong and resilient. It has solid capital and liquidity, and the U.S. economy is obviously performing exceptionally well with continued solid job creation, inflation gradually moving down, robust consumer spending. So I'm not anticipating a downturn in the economy, although of course, that remains a risk. Yeah, the Fed disagrees with her. The IMF has some stuff to say on it.

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