Simptify be honest. but, of course, we simplify this sometimes to savers and borrowers but of course most people and borrowers but of course most people are and borrowers but of course most people are savers and borrowers so while people are savers and borrowers so while they people are savers and borrowers so while they might be getting a little more while they might be getting a little more return on their savings, they are also more return on their savings, they are also facing higher mortgage costs are also facing higher mortgage costs or higher costs on their personal costs or higher costs on their personal loans. we all, ourselves, often have personal loans. we all, ourselves, often have quite complex financial situations. often have quite complex financial situations, as has the nation as a whole situations, as has the nation as a whole. , , ., situations, as has the nation as a whole. , , . ., situations, as has the nation as a whole. , . ., ~ ., situations,