the average cost of a car has gone up an incredible amount. And what we're seeing is then the average loan value for auto loans has increased more than any other loan value. And that may sound like okay, but if you think about it, mortgages tend to be the one that grows the most because house prices have appreciated so much over time.So the fact that the average auto loan has grown more than the average mortgage has over that 15-year period is telling. Okay. Secondly, obviously there is this double whammy.S ...