they cause the whole huizinga -- housing crisis.st: i am sorry to hear you had so much trouble during the pandemic. with regard to your first question, great question about the federal reserve's target. the federal reserve would like to see inflation measured by growth and the consumer expenditure. about 2% over a long period of time. if inflation is below 2%, like it was prior to the pandemic. inflation was below that 2% target. there has to be a period of inflation that is above 2% so that on average through the business cycle, it averages out to 2%. the reason the fed wants around 2% inflation is that means most parts of the economy are experiencing inflation. if it is 2% across the economy, some industries are experiencing higher rates of inflation. it is really tough for business or industry to operate with prices falling. if the price of what you're just -- selling is declining life becomes difficult. what do i do with -- wages for my workers? the prices i am getting for the business services are declining. life gets complicat