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likely to get more expensive. and i want to just go through some of the debt, for example, interest rate hikes, credit card rates are at some of the record highs we ve seen in history, right? 20.2% in april compared to 16%. auto loans, you matched apr car loans with the high e er cost o cars, and we ve seen the average monthly payment for a new car, to finance a new car more than $730 a month, personal loans as well. here s what i think is really interesting, jake, mortgage rates. we ve seen mor gtgage rates hov between 5 and 7% over the last year. they put out a note saying they actually expect the peak of mortgage rates to be behind us, that they actually expect mortgage rates to continue to lower, but that s assuming that the economy slows. so perhaps a silver lining in terms of mortgage rates if you are in the market for a home, the mortgage bankers association saying it expects the worst is behind us there. let s hope so. as we ve discussed already, the fed move comes amid this

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