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bill, a variety of approved spending initiatives and student loan debt forgiveness plan that is expecting to cost taxpayer 400 billion over 30 years. president biden will address this student loan issue this afternoon. what are the implications of that move, do you think, when you contrast that with his focus on the deficit? this stuff is all theoretical to john q. public. it s like high school trigonometry or the price of tea in china. the headline is inflation. it s what i m paying for eggs, what i m seeing at the gas pump. the last time i paid for extra guacamole it was like 20 bucks. i kid. but these are the things that the president can t control and you have the federal reserve saying we re going to do another rate hike. and all manner of ceos and executives and founders saying