The economy definitely has some bright spots right now that we're focusing on. Payroll growth has been strong over the last several months. The housing market is starting to recover. It's creating higher household net worth and it's picking up residential construction. But there are some headwinds that are pushing against those tailwinds, primarily the fiscal consolidation that's in order for this year. So the sequestration cuts, we think are going to be worth about 60 basis points drag on growth this year. And all the tax increases that came along the way - the payroll tax cut increase of 2%, the higher marginal tax bracket of 39.6% - that's probably worth another percent. So while there are some bright spots in the economy, there's about 1.5% drag that we'll likely to see this year from fiscal consolidation.