text:  sure and also earlier this month that we did also see another quarter point rate cut from the federal reserve but some of the comments of following that meeting and maybe left some question exactly what the direction could look like here for this next calendar year i guess what sort of impact or outlook has this sort of created uh here for the real midwest economy well ethan is certainly good in terms of operating loans but only a quarter percent and that that of course is 100 basis points or one percentage point since august now that does make a difference but