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Shelter and housing. And particularly you mentioned the cpi numbers earlier. While the headline cpi did increase, core cpi which excludes volatile inputs such as food and energy is actually higher. Its at 4. 3 . And thats illustrating that underlying inflation seems to be a lot stickier than anticipated, which, as far as fed policy goes, means that rates likely have to continue to stay higher for longer. The Federal Reserve has been keeping rates high, and that is likely to be the strategy we are expecting to see . Exactly, yeah, and there is other tools that potential they could leverage, such as reducing the size of the balance sheet, through so called quantitative tightening, and that could push yields up and increase Borrowing Costs which, in essence, has similar effects to raising interest rates. As far as markets go, they are expecting the fed to raise rates not at this upcoming meeting, i believe, next week but actually more likely in december. Dimitri, how have consumers and bu

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