Joining us now to talk about it all, Loretta Mester, former Cleveland Fed president, now adjunct professor of finance at the University of Wharton, also a CNBC contra contributor. And we are darn glad that you are here, Loretta. If you were still on the Fed, what would your decision and expectation for rate cuts be? Yeah, I would have probably already been at one cut as opposed to two. So I may not have changed my SEP. Remember the SEP, the one that we had before was in March and that was before the April 2 ...