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anymore so companies like facebook and others that relied on people staying at home are not making as much money. also when interest rates go up, tech stocks go down. so many tech stocks begin as speculative companies and rely on borrowed income. 1% interest rates it wasn't a problem. now 7, 8, 9% interest rates the venture capital is drying up. 70 to 80% dried up. the political spin-off of this is california again went from a $58 billion surplus to a $25 billion deficit. that's what they are expecting to have in 2023. you have to pay the piper eventually. the bills are coming due. not just for individual states like california and new york that spent like crazy, but also for individuals. by the way, the urban institute came out with a focus on generation z and credit card date. one in five adults between 18

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