program is only fang inflation, especially in the housing market, and they are penciling in three interest rate hikes for next year. now, that women pact everyday americans because it would raise the cost of borrowing on everything from credit cards and mortgages to auto loans and, you know, we still see borrowing dhoosts are low but it will creep higher. the bigger impact will be on the inflation front. inflation is very hot right now. consumer prices in november rose at the fastest pace in nearly 40 years. you can see from that chart that inflation is hot and it s getting hotter, and it s not just gas prices. we saw record 12-month price gains in november for full-service meals, for tools and hardware, for new cars. staggering gains. used cars up 31%, so, john, if the fed successfully tames inflation here and that s a big if, then everyday american families would see relief from all of the sticker shock and the paychecks would go a bit further and, of course, that would be great news