 that we're not getting back to the kind of low interest rate environment we had. We are running fiscal deficits that basically mean that we can't get back to it because that is an inflationary pressure on the economy. And as long as we're spending, as long as the government is spending as much money as it is, we're not going to get back down to where we used to be. And this is really the first time in years that the Fed has acknowledged that