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with us, ruchi richlt sharma. it's great to speak with you today.hink we start the conversation right there. we talk about this mini miracle. what are we talking about? why is it fleeting? >> first, we have to acknowledge the fact that at this time last year, most economists for the first time in history were predicting that america would have a recession. why is it the first time in history? because economists have never predicted recession as a consensus. what we ended up with is economic growth which at this quarter could top 3%. we have never had a period of history where the gap between consensus and in terms of what's tu turned out to be as far as economic performance has been of america has been this large. first, let's acknowledge that. if you had something really nothing short of a mini economic miracle as far as america is concerned. if you look at the reasons why that's happened, a lot of those reasons may really be fleeting. the biggest one, of course, has to do with the massive fiscal stimulus, which no one anticipated the fiscal stimul