lisa coleman, i want to come to you on this. do you think we will see pressure on the market? in the credit market? >> we are still relatively bullish on credit. we are at highest right now. there's plenty of room to be supportive of corporate credit. it is a matter of being more cautious and looking at sectors where we could see a low bit more pressure. one that comes to buying -- mind is food space. another thing is reeling to rise with higher exposure. jonathan: call ms. the trade. -- calm is the trade. this is a rapidfire round. when do we see the first hike? 2022, 20 23, or 2024? >> 22. >> 23. 22. jonathan: what do we see first on tens? 1% or 2%. what do we see first -- 1%, or 2%? >> 2%. >> 2%. >> 1%. your third and final question. new hikes first. remember the rates in 2014 between the fed and the bank of england, and the bank of england faded away. new hikes first? >> bank of inman. >> the fed. >> bank of england. jonathan: thank you, and enjoy the weekend. thank you for your time this afternoon. and thank you to the audience. thank you for watching real yield. this is

lisa: goldman sachs named dennis coleman as the new financial officer as of yet -- as of next year.u said really well, basically banks are rethinking the way they look in the years to come. the pandemic was a tipping point for a technological shift and trying to bring up some of the younger banks in a way it had not been in the past. tom: mr. coleman very much associated with united kingdom as well. also associated with us is barry ritholtz, bloomberg opinion columnist. thank you so much for joining us. housing. we needed a dishwasher. the sump pump had been used in hurricane ida. i love homeownership. is it worth it? barry: you have to live somewhere and as someone who has lived in rentals and my own house, it is nice not to live in an off-white no change to any of the living circumstances. the old joke is no one watches a rented car. nobody improves a rented apartment. if you want an updated kitchen, if you want to paint your house a different color, ownership is how you manage to do that. a lot of the metrics that show real estate is a bad investment ignore the fact that as an ow