Yes, I understand that the growth of new loan originations experiences vicissitudes based on general economic conditions. That's not my point. My point is tha

Yes, I understand that the growth of new loan originations experiences vicissitudes based on general economic conditions. That's not my point. My point is that loan growth slowing is not the rich hoarding all the money. They don't hoard. Hoarding is not only unprofitable, it costs money.