understanding that not all banks are created equal. people are looking for more security. that's bad news for the smaller banks. >> inflation in the u.s. is smalling. the job market has been strong. how do you explain the economic disconnect? >> that the economy is delivering good news. sometimes good things happen. i've been here since 2021, 2022. the terrible pandemic and awful recession, i'm thrilled that good things are happening. >> the american people, when they're being told, think think it's the worst it's ever been. somehow, that message isn't landing. >> well, they don't think it's the worst that it's ever been.