I've been poo-pooing the ever-predicted rate cuts for two years... It has to happen sometime, but I've been right so far

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True. There are no guarantees (except for 69,080 securing 6.125% for 4 years of course 😂)

But Jerome is in a good mood coming back from vacay at Jackson Hole. And the unemployment data too. It’s not like we’re going back to 0%, it’s just .25%. 👌