CHARLIE MCCAIN | From Harbor Capital Advisors

And the most recent data Phil has been that maybe that vision of a soft landing, maybe supplanted again by a hard landing and recession, as in the United States, the job reports continue to be so resilient and robust, which is confounding experts. So for 2023, from my perspective, I think it’s going to be a more challenging year, not as challenging as 2022, but challenging given the amount of uncertainty around inflation jobs, recession, the geopolitical challenges with Russia, Ukraine, China, I’m in the camp fill of the interest rates will need to go high enough that there will be likely a, a, a recession, maybe a shorter duration recession later in 2023.