so you're inflation rate is 0? i'll just look it up.  ....  oh, that 4.7% is the inflation rate. so let me explain it to you in a way you'll understand. let's say you're in a race and you run 7.5m and stop, then your opponent runs 4.7m. congratulations, you're ahead! but then your opponent keeps running. they run an additional 4.9m, then 5.1m, then 5.4m and now they're ahead 13m and they're still not stopping.
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