I always look forward to these predictions. Pretty good record for 2021.

I am curious what makes you think that the back half of 2022/early 2023 will be good economically. I am a perma bear but attempting to look at things from a neutral perspective, we've pulled forward demand for so many years I can't see the consumer based economy holding up much longer. Plus we have essentially zero population growth in the US now, and excess mortality all causes is picking up again.