interest rates then right over here, jay powell gave his normal testimony to the senate and you can see that expectations for 50 basis points shot up down to here and people said the economy is hot and we have to cool it off, then comes silicon valley bank and the whole interest rate market flips around and now the betting is 78% that we will get a quarter of a point next wednesday and the balance that will get no increase at all. so this is what jay powell and his colleagues are grappling with, how to balance the fact that economy is still running hotter, with the fact that we are seeing the stresses and strains in the banking system and a lot of other concerns still going on in the banks and your last discussion, there is real concern about other banks and what depositors are going to do and whether depositors are going to flee those banks and what that will do to the
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