I think goldma saxis predicting that inflation will decline to three point seven % by the end of the year. We are in the increasingly risky, putting on the brakes part of the cycle. And there's a long way to go from zero interest rates than something compensate us for inflation. The easy money has been made and then if you carry that forward, it's going with time, it becomes increasingly risky. Two thousand 23 is more like a transition period when two thousand 22 looks more like a greater risk.