Begin. Adam first up, the economy. Peter barnes has more for us. You sat down with loretta metzger. She said she believes that the fed can start raising shortterm Interest Rates sometime in the first half of this year because the economy is getting stronger. She would like to make sure that they do it before they get to full employment, which, for her is five and a half percent. Here is what she said. Maybe we were seeing an acceleration in growth. A very deep recession. Now, we are getting to the point where i think the economy is moving into a stronger growth pattern. As far as the exact timing and the pace of increasing rates , she said it will be data dependent. Back to you. We will talk about that peter barnes. We want to bring in peter marie cheap. Why arent more people feeling it . The u. S. Economy downsized substantially. They are probably permanently out. They have found other ways to support themselves. They are not likely to make the sacrifices they need to make to reenter