it's just higher. we're adjusting to the rates going higher. higher rates, increased expense in corporate borrowing is what is wagging on the stock market. so just to look at the stock market, a quick recap. some still settling the levels here. you can see the big red arrows, the s&p and nasdaq. we don't want to be remiss in showing you the bright spots. three of note there. some of the bigger losers among let's just face it most of the market. intel, boeing and cater pillar, nike and across all kinds of businesses. the bigger picture, neil, is that you know, it seems as if the fed will have to raise rates more than three times, which is i think what most investors had expected this year and we're hearing the same language from other central banks as well. the ecp and the boe, the bank of england of note. a lot of pros that i speak with