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I am interested to find out if car dealerships' service departments are seeing a slowdown or reduced ATVs. I am based in Australia where mortgages are typically fixed for 1-3 years so the impact when they start going variable in the second half of 2023, I think will have a huge impact on car servicing, especially with old cars. In the US mortgages can be fixed for the term of the loan, so not the same issues but auto loan delinquencies and falling values could also be a major issue in the US market.