What does that mean? we have had access to easy money for years. that is going away. that's the reality check. so for the consumer, their buying power has diminished. most have seen that going to the supermarket or to pump gas. and that will continue to get worse unless wage inflation maintains at the same level. but that's the issue right now for the fed. a very tight labor market and rising prices. so if you're a consumeer right now, be very judicious, be very careful because it's going to get worse over the next six months. >> the rock and the hard place. >> that's exactly right. >> that's ...