suspension bridge. i thought three years, back in those days americans could do things really fast. >> have you guys walked the brooklyn bridge? stuart: no. >> to grimaldi's the pizzeria on the other side? really. that is something you need to do. >> i have lived in the new york area 44 years. >> still never done it. stuart: i'm not a tourist. >> try it one day. stuart: quick check of the markets. this is important, folks. the dow turned around. we're up 200. so has the s&p, up 19. a small loss quarter of 1% for the nasdaq. the market changed a lot since 9:30 this morning. time is up for me but neil, it is yours. neil: 14 years? >> yeah. neil: the empire state building took a year. stuart: are you sure about that? neil: i most certainly am. why don't you look it up to give it to your trivia little maestro. that doesn't make sense. i think because my people were

building the empire state people, large number of italian construction workers but, anyway, have you -- stuart: wait, wait. how much your show do you wanted to take up with this discussing trivia, the brooklyn bridge and your people on the empire state building? neil: by my math i have one hour and 58 minutes. stuart: use it properly. neil: i will. thank you very much, stuart. 14 years. that doesn't make sense. let's go to the corner of wall and broad right now. it is interesting. talking to charlie brady, stocks editor, senior editor, all in all brilliant editor. i usually copy what he says and take the insights on my own in interviews and the like. one thing he said i hadn't noticed the betting we're going to see the fed may ease up a little bit. at least the folks who follow the fed closely. not that they're right. they make wrong decisions but they do put money on things like federal funds future contracts.

the betting, giving the economy, moving along at a good clip, certainly prices are we will get the 3/4 hike in fed funds next month but, but, remember when we were worrying about inflation running totally out of control and the building bent, wait a minute, we could see in december, yet another 3/4 point hike. the betting was more than 70% of those taking that position. now it is around and under40%. not that that makes it right. the reason i put that in focus, earnings, some stronger than expected, some weaker-than-expected, at this point most of them beating estimates, not by much. most telegraphing mixed views on the economy. this indicates day in, day out, that investors who for the fourth straight day have the dow up. one of the best four-day performance we've seen again according to charlie brady since november of 2020, there could be something going on here. he didn't want to take that leap. i don't want to take that leap

but it is interesting. it is happening in the face of what otherwise would be worrisome news. we'll get to that in a second. obviously a lot of politics going on. people tell me we're less than two weeks away from some big election. don't zero me in on what it is. jacqui heinrich is following that, as the president prepares to address inflation which is proving to be a very big issue in all of these states. jacqui. reporter: it's a big issue for everyone, and an issue, neil, the president has a tough time tackling. the saudis now are warning the president without naming names it's a pretty bad idea to sell the nation's strategic oil reserves to bring down gas prices to manipulate the markets. saudi arabia is saying we could really regret that decision in a few months time. you might think the white house would respond to that in some sort of way but instead the president is talking about banks, airlines, credit card companies, hotels and fees that

they charge unnecessarily that increase costs for american consumers. he says it is going to put money back in peoples pockets going after those american companies, making sure those junk fees as they're called, do not run rampant. he says it will save consumers a billion dollars a-year. certain industries are guilty than others like imposing them, credit card lake payment fees, bank overdraft, non-sufficient funds fees, hotel resort fees and hidden fees on cable channels but with the bigger picture of inflation in view it might feel like a drop in the buck debt which the president acknowledged the energy crutch. he did no-go after the saudis. he went after oil and gas companies again. listen. president biden: most common price in america is $3.39 a gallon. it will come down more. they will come down even further, when gas companies, when the oil companies agree to our demand to pass on the savings.

reporter: we're still waiting for the president to respond to this language from the saudis, listen here. >> depleting their emergency stocks. >> yes. >> had depleted it. used it as a mechanism to manipulate markets. it is my profound duty make clear to the world using emergency stock may become painful in the months to come. reporter: i asked president for his reaction yesterday. he shrugged, said to get your covid shot. in the white house press briefing, karine jean-pierre the president would address the relationship which we heard again. we have not gotten a read what if anything the white house is hearing from the statement from the saudis. neil. neil: i'm wondering what his response will be? reporter: yeah. neil: people have been waiting now for a while.

why just the wait? reporter: if i had that answer i would share it with you. neil: i hear you. reporter: i don't unfortunately. but i think the longer they wait the more the pressure and anticipation builds and maybe they're hoping that we all forget about it but it doesn't seem like the story is going anywhere anytime soon. we'll keep asking and hopefully get an answer. neil: all right. i'm happy that your white house pass continues to work even though you keep asking these questions. jacqui, thank you very much. jacqui heinrich on that. bryan llenas the day after this pennsylvania debate, i don't know if any of you saw it between john fetterman and mehmet oz t was painful to watch at times certainly given the post-stroke condition of fetterman here but the fallout is not having the predictable one you would think or hurting at least fetterman coming to money raised on his behalf. bryan with more on that in harrisburg. bryan? reporter: yeah, fetterman's

campaign said they raised over a million dollars after yesterday's performance after that debate. one of the biggest exchanges happened in the last night's debate resolved around fetterman issue around fracking. fetterman said he always supported fracking. in 2018 he said he did not at all and never has. >> i absolutely support fracking. >> there is that 2018 interview that you said quote, i don't support fracking at all. so how do you square the two? >> oh, i, i do support fracking and, i don't, i don't, i support fracking and i stand and i do support fracking. reporter: the debate headlines this morning are focused on fetterman's health. there are more questions, not less about his fitness to serve following at times halting and muddled performance last night. amid that performance fetterman

says he will not release his full medical records for transparency. fetterman's campaign tried to lower expectations before the debate but struck a different tone last night. >> you know hospital months ago, took it to dr. oz pretty [bleep] hard tonight. reporter: the two candidates also sparred in another top issue, crime. >> the only person on this stage right now that has, has successful about pushing back against gun violence and being the community more safe. >> there is one person on the stager who has broken the law we believe. john fetterman took a shotgun, chased an unarmed african-american man, put the gun according to that man to his chest. reporter: the record crime spike in philadelphia is looming large in this election. just this morning pennsylvania's house republicans said that they will be announcing articles

impeachment against the progressive district attorney of philadelphia larry krasner. interesting time after the debate. fetterman once endorsed krazner. this is how this is all playing out here? the commonwealth. neil? neil: bryan llenas, thank you for that. another big debate was in new york, one and only debate between the gubernatorial candidates, kathy hochul, lee zeldin. alexis mcadams with the fall out after that? reporter: kathy hochul and congressman lee zeldin squared off in their first and only debate. the candidates discussed a wide variety of topics focusing on abortion, crime and inflation. 15 minutes of the hour long debate focused on the issue. zeldin off the bat wasting no time telling voters they are less safe to hochul's policies tying hochul to lawlessness across the state focusing on

subway crime promising to get rid of cash less bale and getting rid of the district attorney. >> alvin bragg, this is the d.a. stands for district attorney, defense attorney. alvin bragg can be a defense attorney if he will not do his job i will do my job and i'm going to remove him as soon as i can. reporter: incumbent fought back explaining that she tightened bail reforms this year arguing there are real penalties for criminals here. focusing on a record of taking illegal guns off the street and blaming those weapons for the spike in crime. >> can either work on keeping people scared or focus on keeping them safe but there is no crime-fighting plan if it doesn't include guns, illegal guns. reporter: governor hochul spoke directly to the women across the state telling them abortion is on the ballot. she says hochul hochul says zeldin cannot be trusted, zeldin says he would not, could not change the state's strict

abortion. focused on donald trump hammering home the maga connection that she hopes voter will connect with. polls show crime and economy are what people care abut bought. head of the election and early voting starts on saturday, we'll see how this debate impact what is people think, neil. neil: i forgot about early voting in saturday in new york. thank you very much for that, alexis mcadams. bill hemmer is stepping back to look at all the races, postdebate fallout and how it could sort out in the united states senate. bill, good to have you. >> neil, show you a couple things where we think the senate stands and house as well. if the thing doesn't work i will throw it off the brooklyn bridge. then we'll have a story for stuart a little later. how does that sound? is that a deal? neil: perfect. >> we put together the scenario, pardon my back here, neil, we're going to start with a marker here as we go into election night, 49 republicans, 47

democrats. we believe based on polling and other factors there are four legitimate tossup races as of today. there could be more but we'll have to find that out on election night. what we did tried to divvy this up to try to understand which four are legitimate tossups. we believe as of today nevada is one, arizona one, georgia is one, and pennsylvania is one. that hammers home, emphasize the significance of last night's debate what impact it may have between fetterman and oz. play a little game for you here, neil. if republicans were to take all four of these seats, check that, number three, if republicans win all four, you see where they would be okay, behind me they're at 53, democrats at 47. i'm giving them arizona. giving them nevada, pennsylvania and georgia, everything else. if democrats, however sweep all four, you see what happens. they maintain the majority at 51 in the u.s. senate.

let me put this in motion here. back to the republican scenario here. okay, under this scenario there are 53 but what happens if fetterman is able to pull the trick in pennsylvania? you see where it drops. we haven't talked about georgia much yet. what if walker cannot beat warnock, you see how significant that race comes. out here in arizona, maybe blake masters is a great candidate. he does well, you know, drafting off of kerrey lake the governor, mark kelly holds on back to where we were in the very beginning. one of many scenarios we can put into our map here. that is on the senate side. on the house side, neil, follow the money. where are they spending it. where are the different campaigns moving around. i will try to show you a little bit here on some of these house races. come on, click in here for me because what we picked up overnight -- by the way a story crossed on "politico," michael bloomberg is putting $10 million

into some of the democratic races. that is your home state, neil, you don't like to see that i told you neil, it might go in the brooklyn bridge eventually here. let me try it one more time. there are races just outside of new york city, this is new jersey, 11, mikie sherrill is the democrat. a deep blue district. i charted it democrat plus 11. and there is a democratic group putting a lot of money into this race to make sure she can maintain the seat. what does that tell you, right? you remember a year ago when virginia, new jersey, had the big vote in november and glenn youngkin had the big victory in virginia, no one had your home state of new jersey on the map. there was no polling there, neil, nobody gave it much attention, boy a shocker that night, right? neil: absolutely. >> democratic governor phil murphy barely won. you start to ask yourself are those voters of 12 months ago still out there today ready to make their voice heard, if you follow the money a little bit in

new jersey, something to watch. tell you a place here in new york, a democratic group, by the way, everything you see here, neil, all the key races we think. that means they're either too close to call or maybe there is some democrats or republicans in leadership positions in congress and we want to track and see how they do. let me go forward here. new york, we're watching a ton of races this is new york 17. here is new york city down here. just north of the hudson valley. sean patrick maloney is head of the democratic congressional campaign committee and democrats right now are putting more money into his race. what does that tell you, right? they're trying to match the republicans. they really believe, the rnc believes that mike lawler is a sufficient candidate to take down sean patrick maloney that would be an earthquake. there are other places to poke around. rhode island, we picked up a story. alan fu in. g is the republican. see if he runs against the

democrat, republicans have not competed in rhode island in a long time. they believe they're in the game with people like fung. they like him as a candidate. former mayor of cranston, rhode island. we'll see if they're onto something. if you come all the way out here to oregon, this is another stunner two. watches three races here in oregon. this is portland, salem right around here. you can just move up the map, 4, 5, 6. 6, right here andrea salinas, progressive democrat and mike ericsson's challenging here and republicans are putting a lot of money into this race and we're going to see this trend as whether or not they're onto something. you can, you see go all over the map. we've got so much data, so much information, you know, during a midterm race, when you believe at the outset, when the house is this close and the senate is this close, don't know how it is going to go but we're going to put it into our map here and our

formula to try to figure this out. by the way, you lived in the northeast how long, neil? couple years? neil: five plus years. >> when was the last time republicans were competitive in connecticut? neil: it's been a while. >> been a minute, right? neil: been a while. >> this is congressional district 5. george logan, african-american has really been supported by the republican party here. this is the west side of connecticut up along the border with new york. they think they're in the game there. if this goes their way, come election night, you could see that red wave get higher and higher throughout the night. so, we'll see. in the end if they're right. if it was money well-spent or not. how is that? neil: it's amazing. first of all the fact that you knew every state in the country. secondly you knew every district and every state in the country. thirdly, this is the stuff really annoys me, the one touch worked for you perfectly. we were hoping it would break on

you as something -- those who know you. bill hemmer doesn't get angry. not a prime minister madonna. not like me. it worked perfectly so we dent get the opportunity to see you snap. so we're hoping this would be that moment. >> we're one for one. for now we don't go down to the brooklyn bridge, right? neil: can you believe it, 14 years to build that puppy. >> yep. neil: empire state building, one year. >> john rolling started the brooklyn bridge. built the bridge across from cincinnati to kentucky. he went back to new york and he died. i believe his son took over the project and he died. neil: the maloney brothers behind the empire state building, god bless them little more than a year, a year and 45 days. i'm throwing it out there. >> neil, when i see a restaurant renovating in new york, and it takes two years i always walk by, you know they did the empire state building in 13 months.

keep that in mind. neil: they're the contractors you want to hire, the ones that did the empire state building. the ones that built the brooklyn bridge, not so much. thank you, bill. something that the markets are beginning to sense in the dow, the best runup since november of 2020, as part of a market expectations we'll see republicans win not only the house but the senate. now that would indicate a broken divided government which might complicate efforts for either party to get stuff done, improve odds for republicans but, but, wall street likes the environment where they're at loggerheads can't get a lot done. a lot done on wall street a lot more spending. don't like that. part of what is into the mix with the dow raising ahead. we'll have more. --

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you, neil. big tech earnings this week is off to a bit of a rough start. we were enjoying the big tech rally. investors were hoping earnings would reveal more economic headwinds but the tech-heavy nasdaq is dragging a bit. not as much this morning though. dig into the earnings results. alphabet down 6% after yesterday's report that it fell short on the top and bottom line. the big headline here that digital advertising is taking a huge hit. revenue grew only 6% versus 41% a year earlier. that is some of the weakest growth we've seen from them since 2013. youtube ad revenue declined 1.9%, when analysts were expecting a 3% increase. alphabet warned of a further slow down in ad revenue with inflation and rising have rates. a quote from the ceo, he said, quote, we're sharpening our focus on a clear set of product and business priorities. we're focused on investing responsible for the long term and being responsive to the economic environment. now sharpening focus normally

means count reduction, and google confirmed they are curbing hiring this quarter. switching gears microsoft also dragging today. they're down roughly, oh, yeah, over $14 at the moment after reporting the slowest growth in five years. they also gave weak guidance to the bread and butter cloud business, as well top and bottom line in the quarter, coming especially with weaker pc sales. the consumers pulled back on the big ticket item spending. keep your eye on meta. they report after the bell today. analysts reporting second quarter of revenue decline, the digital advertising trend we talked about when it comes to google, expect that to heavily impact the social media giant. neil, we've been talking about the business tightens, warning of a recession. these earnings don't spell a ton of confidence. neil: yeah. depending who you are, what you're saying, i mean it is not really giving you the notion that they're storming back. kelly, thank you very much. to kenny polcari on all of this. kenny what do you think? the nasdaq not withstanding, not

as down as much as you would think given some of these earnings. some were tell graphed. weakness in online advertising, youtube issues, et cetera, but what do you think? >> i think there is some concern like kelly just said, there is concern over guidance going forward. nasdaq is down 30% this year. i'm not surprised it is not down more. they're punishing individual names. so they will get punished. either the company wasn't forthright giving information to analysts how it is shaping up or the analysts were too, too excited about the number they came out, right? so i'm not necessarily worried. i'm not a meta player, i don't own google but i own microsoft. microsoft is down 25%. if it is down another 6% today i think you have to back up the truck. neil: a lot of people with held big name stocks, apples, microsofts, google, when it was facebook, bottom line they have seen huge losses if they haven't

sold. should they hang on to them, see what happens? >> listen i guess it depends who you are. i've been riding the wave like everybody else. i own microsoft. i haven't sold it. the same honestly with my, my amazon i will wait because i'm a long-term investor. i'm not a day-trader, if you want to go in and out, in and out that's great. you like all the commotion. if you're a long-term investor and names you bought are good, solid names and theme has not fundamentally changed -- microsoft $54.4 billion in the quarter, versus 54.3 they were looking at. there was issue with azure i get that but i think it is way overdone. neil: of course the azure the cloud database program here. let me step back to get your view what the market is telling us. of course this four-day advance bit dow. i never want to overstate pay attention, famous last words. we've seen in conjunction betting on fed fund interest rate increases. we know one coming next month to

the tune of likely 3/4% but the betting now seems to be the december hike stands to be less than that. >> right. neil: that now what was a 70% bet, we would see a repeat of 3/4 hike now more like maybe half a percent. what do you say? >> kind of half was where we've been talking about all along. shot up to 75% after we got the stronger cpi number. now here is what is interesting, there are four more inflation reads before we get to the december reading, right? pce comes at the end of this month which is the fed's favorite gauge. we'll get cpi and ppi in november and we'll get it again in december before they have their december meeting to hike rates. i'm still saying there is very much reality and possibility that this conversation flips back to 75 basis-point hike in december if inflation is not responding to everything that, that the fed is trying to do. neil: kenny, thank you my friend. always great having you on, getting your perspective, kenny

polcari. georgia is the battleground state. think about it, with all the early voting enthusiasm there, remember they pick up a seat that is republicans in the senate, that would be a switch. that would be a gain and that could pave the way toward a republican senate or so republicans hope after this. ♪.

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republicans. that is why it is considered a holy grail, very, very active ground. between that and the governor's race going on there, all the money poured into the peach state you can understand why so many people are paying attention and you can understand why jonathan serrie is there in union city georgia with the fallout from all of this. jonathan? reporter: well, once a solidly red state georgia is a competitive battleground. democrats controlling both u.s. senate seats in georgia. one of those senators, rafael warnock wants to increase support among moderates highlighting bipartisan efforts. >> foreign countries prevented selling our crops. we needed somebody to fight back. >> i partnered with a republican senator from alabama, and stand up for farmers. reporter: stacy apprograms has

ambitious policy goals but if elected abrams would face challenges from republican ace controlled legislature. >> they will not have a veto-proof majority. not have a supermajority in the state legislature more than likely. as a result of that abram's veto power does really become important. reporter: republicans point to early voting numbers, high early voting numbers as evidence against abrams continued claims georgia's election laws are discriminatory. according to "politico," challenging those laws, a nonprofit voting rights group founded by abrams paid nine million dollars from lyle services from her friend and campaign firm law chair. a staffer from the consumer watchdog public citizen describing the arrangement as very clear conflict of interest you about the organization later retracted the statement there is nothing unusual or troubling organizational leaders hiring qualified friends or a

acquaintances to serve as legal counsel. neil a lot of interest in all of these races. already more than one georgians cast early ballots. neil: that is amazing. eliza collins "wall street journal" report, expert on all things political. if you look at what appear to be record early voting numbers, mail-in ballot numbers getting from states that have each or both, i'm wondering what they are telling us what do you think? >> i think it really depends on the state and how much data we have. states like georgia have released a lot of data. it shows that there are high numbers of black voters in the atlanta area casting their ballot. in the past black voters tend to vote for democrats but in georgia, republicans and democrats have been urging people to cast their votes early. both see these high numbers basically a victory in a state like arizona, the republican candidates are urging people to vote on election day if they

can. and so those voters with their high numbers that could benefit the democrats but they have not released the same level of data as georgia. neil: eliza, a lot of people voted early in pennsylvania, i assume hundreds of thousands, i apologize, you probably do, they didn't get a chance to see john fetterman with his debate with mehmet oz, what you think for either candidate it did not go well for him. he raised a lot of money off the debate as democrats sort of rally around him. the game has changed hasn't it, at least there? >> absolutely. seeing fetterman for a long extended period of time, just how much his stroke did affect him has changed the conversation in pennsylvania now. it is too early to see, we don't know yet if voters will change their mind, people who maybe leaning towards fetterman to your point have not voted will

say, those speech errors caused them to question basically if he can be in the senate. we don't know fetterman says that his doctor says that he can be a senator but we haven't seen his actual medical records. the full debate did bring up a lot of questions about his readiness to serve. neil: you know, we always try to interpret what, you know, record early voting means or you know, these long lines in georgia and florida, some of these other states, i'm wondering whether we can interpret anything from that? maybe it is unusual certainly for midterm election year but in prior midterm election years we didn't have early voting to the degree we do today. certainly didn't have it back in 1994 when republicans romped and surprised the world how much they romped. they were expected to get 30, 35 seats. they got 54 that year. are we overreading this activity or could there be something to it? >> we just don't know to your point. the pandemic changed how people voted.

states like nevada have much further expanded mail-in voting laws. also president trump's claims of election fraud and questioning mail-in voting and early voting have changed how some candidates have talked about it. so this is our first midterm election since both of those things have happened. so we don't know quite who is showing up and i think that creates a big question mark. now in 2018 there were record numbers of early voting and that was a year that democrats really benefited but the environment has completely changed. there is inflation. democrats have the white house, the senate, and the house. history shows that voters tend to blame the party in power. we're seeing in polling definitely lots of competitive seats. republicans seem to have the edge there. so i think it's hard to guess what all these early voting means other than people are engaged. neil: that is and understatement eliza, thank you very much. good seeing you again. >> thanks. neil: eliza collins on that.

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as low as a zero-dollar monthly plan premium in many areas; and your doctor and hospital may already be a part of humana's large network. there is no obligation, so call the number on your screen right now to see if your doctor is in our network; to find out if you could save on your prescriptions, and to get our free decision guide. humana, a more human way to healthcare. ♪. neil: all right, during covid new york city was busy firing public workers who had not been vaccinated. now it has been ordered to reinstate those workers. how is that process going? let's go to madison alworth in staten island, new york. madison. reporter: neil, the new york supreme court ruled that new york city was unconstitutional for firing sanitation workers who didn't got the covid-19

vaccine. that lawsuit opens up all the doors for all workers fired because of mandates. the challenge the lawsuit is not over. the case is appealed. it will go to the appellate court. meantime sanitation workers in that case as well as other front line workers like teachers, they are still out of their jobs because of this ongoing process. the teachers we've spoken to are hopeful they will get their jobs back. they are confused by the entire process. of course while all this is happening life an bills don't stop for those that are out of work. >> it has been a very, very hard road. a woman called me yesterday in tears, moved out of the state, left the state, living in new jersey. another woman called me living in south dakota because they needed to fend for their families, their children. and they say you know, can we get our jobs back? maybe i would come back? maybe i would come back to new york. reporter: while this is playing out in court it is also a focus

of the midterms. new york gubernatorial candidates had very different reactions what should be done with vaccine mandates for public sector workers during last night's debate. >> i would do it all over again what i did last year. that mandate for health care workers. >> i want to deal with a health care worker shortage up state in hospitals, having services impacted? well then offer the people their jobs back. by the way, do it with back pay. reporter: so if this decision stands for the sanitation workers in the higher courts, those sanitation workers will not only get their job back, they will also get back pay. that could be a model applied to the other sectors. that is why everyone from sanitation workers to firefighters to the teachers that you heard from, they're all watching this very closely. neil? neil: and hoping. especially those who want their jobs back. madison, thank you very much for that. madison alworth. remember all the hurricane damage in florida, the supposition it would batter a lot of people which it did but

the notion it would wallop florida real estate particularly in areas hit by the hurricane, not so much. we're on top of that after this. ♪ (driver) conventional thinking would say verizon has the largest and fastest 5g network. but, they don't. they only cover select cities with 5g. and with coverage of over 96% of interstate highway miles, they've got us covered.

neil: all right, the sunshine state might be a draw after

after hurricane ian a lot of folks say it won't be a draw certainly for people who saw their homes demolished there, but for folks who see areas that was a great deal of damage, not as much as some yeas. ashley webster seeing what is going on in naples, florida, where the interest, prices remain high? reporter: yes they do, neil this is a typical scene, close to the ocean here in naples. dump trucks coming in, debris piled high, a lot of trucks beginning the rebuilding process. not pretty pictures. you know what? it is not doing anything to cool off the real estate market. the latest numbers for sales in the naples, march coisland area, median price of $725,000. that is up 11 1/2% year-over-year. remarkably the images are not putting people off. they want the lovely weather.

they want the beach. they like low taxes, low cost of living and storms, well they seem to have a short memory, do they not? i spoke to a local realtor they're getting inquiries about property in this area from all over the country. take a listen. >> we have a lot of people from upper midwest, the northeast, the mid-atlantic, however we have people from all over the country. over the last couple years we've seen more people come from the west including california. reporter: and they are still making those calls, you know, it is interesting, of the top 10 hottest real estate markets in america, 50% of them are on the west coast of florida from tampa all the way down here to naples. talking about a short memory, it was only in 2017 hurricane irma came through this area creating a lot of damage. within weeks the real estate industry had recovered. looks like it will be the same story here in naples after hurricane ian. really remarkable, lack of

housing inventory means higher sales prices despite what mother nature can throw at you, neil? neil: that is amazing. ashley, thank you very much. don't say katrina campins told you it wouldn't happen. she joins us, fox news host of "mansion global" tonight on this network 8:00 p.m. of course naples was hit, but not as hit as hard some feared. might be built into that a little bit. how do you see that particular state's real estate market? >> hi, neil, great to see you. it is amazing, florida has been so resilient historically speaking. we're seeing this once again. people are rebuilding in the naples area. some people are waiting for insurance to kick in so they can rebuild but overall, what we saw, right after the storm was some investors came to florida and attempted to make offers on some of these properties thinking that the homeowners would take them but the

homeowner says, no, no, we know what our land is worth and they're waiting it out. we have seen now an influx of buyers coming back into the market, especially as it gets cooler in the north. so florida, as a whole, as you discussed in your past segment, 50% of the hottest markets are in florida. i believe that trend is going to continue. i do think that affordability is a main issue, neil, nationwide. it is something we should definitely attend to. they say that homeowners are cost burdened when 30% of their income goes towards housing and on a national level, that percentage is 38%. so 38% of their income is going towards housing. there are areas like san francisco where that percentage is 83%. that coupled with the cost of gas, health care, everything else is definitely a struggle for a lot of americans which, it is no surprise that consumer sentiment in september was the lowest that we've seen for housing since 2011. so i think it is important to also keep things into

perspective. florida is doing well but the rest of the country may not be doing as well nationally. neil: nationally new home sales are tumbling, mortgage rates go higher, they go hand in hand i can see. the idea people are priced out, builder sentiment following on the lack of demand for new homes nationally. i don't know what the situation is in florida, but that is weighing on people. rates for 30-year fixed rate mortgages are climbing. whether this is a week we close over 7% for a lot of folks it already happened. it is double where we were. so play out where we go? >> well, you know, mortgage applications are down 38% year-over-year and that's not a surprise give the fact that interest rates have reached almost 7% now. i think that trend is going to continue. i think they will eventually go back down but definitely not to prepandemic levels or the 3% mark which we had at one point in time. i do think that home prices are going to continue to slow down,

however we're still 40%, we've experienced 40% appreciation since 2019. so we're seeing a decline from 2021, 2020, and 2019 but we haven't seen a dip below 2019 and of course every part of the united states is different but i think with, what i think will really save us, neil, the fact we have very low inventory which is very different than any other housing market we've had before. the 2008 crash we had too much inventory. this time around we actually have very low inventory. that is what i think is going to keep prices stable and not go below the 2019 levels. neil: i know you're going to be looking at particularly montana which is a lot of investment haven for a lot of folks on "mansion global" tonight 8:00 p.m. on this network. she really steps back looks at the big picture what is hot, where it is not, what are some things people are doing in an environment that is shifting. we'll have more in the meantime right after this.

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neil: character arising the markets, nothing to do with the markets but the dow and the nasdaq down a little bit. th