I'm a little more concerned about inflation right now because I think the job market is pretty steady. I think growth is pretty steady. I think there's some promising stuff in the inflation reports, but there's also some warning signs. I'm pretty optimistic that we can get rates down further, multiple cuts in 2026, as long as we see the progress on inflation that forecasters have been forecasting.

I'm still optimistic that we're basically cruising along with solid growth, a steady labor market. We've got some encouraging and some discouraging signs coming on the inflation side. If we can just get some improvement, I feel like we could still get back on the golden path that we were on before.