 Now digging in a little deeper, we see credit spreads remaining low, but widening a bit. Jobless claims still okay, but showing some early signs of the labor market softening. Housing starts slowing from higher rates, retail sales slowing down, and truck shipments falling on lower demand. So keeping an eye on the economy is important. First, we want to be as prepared as possible for a recession. And second, the markets tend to move in advance of the actual economic trouble.