what advice would you give jay powell? kenneth: i don't have a direct line to jay powell and i don't want to fix that. [laughter] but i do have a couple folks we get a chance to speak with and provide input. the fed come out of chicago, listens to us. i also had a chance to be on a panelt of the minneapolis fed and my advice was the same, we need stability at this point in time. we have not seen that of the cost running through the system, meaning, understanding, what does that mean to a small business when i have to pay a higher interest rate cost? my advice would be calm and steady i think will win the race here. i think the point has been made that rates will not move. but, now is the time to allow individuals to figure out how do we build that level of resilience across your balance sheets? so, if we run into more turbulence at some point in time you are of dealing with that. peter: any one else have advice or input for the fed? what's am in no position to give jay powell advice but i agree about calm and steady. we ar