| you have to think about the turn from 18 | 4.639 | Jump to 49.76 |  |  | 
              
                
                  | to 19 to 20 to 21 18 and 19 | 4.799 | Jump to 51.28 | 
                      
                        
                      
                        CARDINAL
                      
                      
                        19 to 20 to 21 18
                      
                     |  | 
              
                
                  | about 10 percent higher than it was in | 3.921 | Jump to 56.079 |  |  | 
              
                
                  | 18 and so that was sort of your baseline | 4.88 | Jump to 57.76 |  |  | 
              
                
                  | pre-pandemic economy growing two percent | 3.359 | Jump to 60.0 |  |  | 
              
                
                  | picked up from say six percent growth to | 3.521 | Jump to 63.359 |  |  | 
              
                
                  | 10 growth now importantly that's across | 3.6 | Jump to 64.879 |  |  | 
              
                
                  | credit cards that's only about 25 the | 4.0 | Jump to 68.479 |  |  | 
              
                
                  | money on it'll total 3.6 trillion this | 4.32 | Jump to 72.479 |  |  | 
              
                
                  | early part of 20 then picked up and by | 3.28 | Jump to 80.159 |  |  | 
              
                
                  | this time in 20 was about the same as it | 5.2 | Jump to 81.68 |  |  | 
              
                
                  | was in 19 and now this year it's 20 plus | 6.881 | Jump to 83.439 | 
                      
                        
                      
                        DATE
                      
                      
                        19 and now this year
                      
                     |  | 
              
                
                  | over where it was in 20 and in 19. | 5.12 | Jump to 86.88 |  |  | 
              
                
                  | way in the first part of the summer it's | 3.12 | Jump to 93.92 |  |  | 
              
                
                  | november compared to 19 to 21 | 4.079 | Jump to 115.68 |  |  | 
              
                
                  | restaurants is up like 40 so | 3.761 | Jump to 119.759 |  |  | 
              
                
                  | just one of the inputs creating that uh | 5.92 | Jump to 147.84 |  |  | 
              
                
                  | november was the first month that the | 3.28 | Jump to 183.12 |  |  | 
              
                
                  | five thousand dollar balance before the | 3.36 | Jump to 186.4 | 
                      
                        
                      
                        MONEY
                      
                      
                        five thousand dollar
                      
                     |  | 
              
                
                  | pandemic have carried you know three to | 4.24 | Jump to 187.84 |  |  | 
              
                
                  | eight times bigger as you go down lowers | 4.32 | Jump to 189.76 |  |  | 
              
                
                  | is the first month to look in the two | 3.04 | Jump to 192.08 |  |  | 
              
                
                  | thousand dollar and accounts they | 3.04 | Jump to 194.08 |  |  | 
              
                
                  | drifted down just a hair one percent | 3.199 | Jump to 195.12 |  |  | 
              
                
                  | two weeks ago in front of congress he | 3.2 | Jump to 212.08 |  |  |