stock market reaction to that, which was not great, if you want to see the market going up. talk to us about these concerns that powell raised and the double reasons, the double-barrelled response from the market because it's not just omicron. it's also what he said about inflation, right? >> yeah, omicron really is secondary. the real thing that turned the market today is when we saw jerome powell pivot. now, whether it's the fed or this administration, they've been talking about inflation, which is directly tied to covid, as transitory, short-term. this is the first time we've heard the fed chair say the words, it's time to retire the word transitory. inflation is the fed's top concern. and the real reason that the market is going down, yes, it's omicron. it's that the fed is going to taper their conducive monetary policy, all the support that they've been giving sooner. and likely we're going to see interest rates start to go up sooner rather than later, which isn't good for the stock market. it's better for savers. when interest rates go up a