Do You Think 2023 Will Be Hard Landing?

In the UK, 40% of all mortgage dollars are interest only arms that will reset in January to around 4%, 40%. Can you imagine how upside down the UK economy is going to be when people have to spend three and four times more to keep their home? And then people have to go to work. It's just looking pretty bleak. Do you buy that? We're bottoming out now as Jumata is sort of hypothesizing.