had these bottle necks. so i think heading into this first and second quarter we ll see the consumer using the strong balance sheet, continuing strong demand, likely put the latest covid variant in the rear view mirror that burns itself out in january. we ll focus on the fact that we have overdone it in markets because we re overreacting in a knee jerk fashion on the ten-year yield. neil: thanks very much. art referring to the ten year note a popular trading instrument. the federal reserve cannot control this rate but can set the tone to the market. the fear that rate goes higher weighed on stocks today. one day. pretty early in the year here. something that a lot of people didn t expect. they knew rates were rising, knew we could see several rate hikeses. they weren t prepared for this. we re all over that. as art said, what is happening on the covid front, the omicron