. >> our next guest sheila bair will say she knees inflation nowhere near the peak and not peaking untilally agree and may put you in a bit of a minority explain why you don't think inflation is going to be the sort of discouraging valiant that causes consumers to pull back. >> i am really concerned about inflation. i lived through it when it was tough in the business. i think we have about to see a peak and i guess mid year this year could she be right, 2023 i don't know we are about to see a peak meantime the consumer seems very healthy. everybody has a job. we are seeing an actually growth in the workforce first time in a long time. people that get a job and believe they can keep it or get a better job there's good things happening with consumers i don't think we see resistance to price in the near term. when we do that would be a problem but i suspect by then inflation will start to e moll rate i think the consumer will overwhelm wit the $3 trillion of extra cash they sit on and all got a job and look like they can have rising wages so i believe we'll go forward and things will be fi