33:40
So the reason we're pursuing this neighborhood traffic management program, you may recall that when we wrapped up the 22 transportation system plan, this was a piece where we were able to identify what types of streets are appropriate for traffic calming measures, but we didn't go so far as…
43:06
Certainly, the default rate on credit cards is not at levels that we've seen in previous times of concern. So, all that said, we are seeing some consumer spending slow down, but not to a point where we'd be throwing up red flags and concerned about a recession.