stop bonds, heads you lose, tails you lose, give nme a break the longer term rates, out to 10, 20 years, they're too low to begin with, versus how strong our economy s. that's been my view for two years now we need several more rate hikes by the fed, but the bears want to have it both ways somehow lower rates are bad and higher rates are bad in this case, i think higher rates are fine they represent a return to normalcy you need to be old enough to remember what normalcy looks like exhibit a. now, the third lie is that the consumer is getting weaker no, no, and no the consumer is a changed beast, though she doesn't do what she did before covid because her life is different. she may work at home she may want the convenience of amazon, 375 million packages on prime day. don't you think that changes the equation about retail and brick and mortar i do as target showed today when it reported weaker same-store sales, it made a boat load of money, home depot on the other hand had a magnificent quarter it's been hard to compete them amazon doesn't do a great job of selling houses, washing machi