text:  Yeah, and that's exactly what we're dealing with. It kind of goes back two years ago when the Fed raised interest rates in an effort to bring down inflation. If you remember, we peaked at 9.1%, the highest we've seen in 40 years going back to the 80s. So the Fed raised rates from 0% to 4.5%, which to put in perspective, that's the fastest the Fed has ever raised interest rates.