and i think that we are getting ready to pay the very large bill not just post-2008, post-great financial crisis, but if he look at the last 40 years, we ve never with a couple of exceptions never been in a period in which interest rates will probably be rising if for some time and a inflation will be with us for some time. so we have a enj race of people generation of people who have never seen markets like this. so buckle up. so let s bring to the worker and down to the typical american. because we ve laid out a whole bunch of things that none of us can control quite frankly. and i think it is important to point out the stock market is not the economy and the stock market is not necessarily what is happening on main street. fact is, wages are rising, so are your grocery bills and gas bills. we still have a shortage of health care workers. we still have a shortage of child care workers. tell me what is the state right now of the typical american?