 Okay, so guess what? So far, the US economy has averted a recession. We have reached what some are calling perhaps a soft landing, fingers crossed. So why am I sharing that with all of you? I'm sharing that because there is good news. As we've looked even ahead into 2024, not only is the labor market performing well, but financial markets also grew by double digits in 2023, and that trend has continued in 2024.