 which is likely their credit card. Credit cards move in lockstep with the prime rate, which is directly impacted by the Fed's benchmark. So even though the Fed rate isn't the rate that consumers pay, it still affects the rates that they see on all their variable rate debt, credit cards, private student loans, and arms. And explain, too, it's not like we're going to get immediate relief if and when the Fed announces its cut, say, in September.