| up in 2020 and down in 2021 so as | 4.881 | Jump to 32.399 |  |  | 
              
                
                  | stocks in 2022 | 4.559 | Jump to 54.8 |  |  | 
              
                
                  | the yield curve the 10-year government | 3.84 | Jump to 63.52 |  |  | 
              
                
                  | is i think going to give way in 2022 to | 4.96 | Jump to 67.36 |  |  | 
              
                
                  | tightening cycle of 2016 through 2018 | 5.841 | Jump to 74.479 |  |  | 
              
                
                  | 2022 we're starting to see the weekly | 5.28 | Jump to 88.32 |  |  | 
              
                
                  | loan growth in 2022. | 4.32 | Jump to 105.36 |  |  | 
              
                
                  | in 2022 | 4.48 | Jump to 113.2 |  |  | 
              
                
                  | what we're looking at are two factors | 4.799 | Jump to 115.28 |  |  | 
              
                
                  | one is the so-called asset sensitivity | 4.399 | Jump to 117.68 |  |  | 
              
                
                  | higher interest rates so that's one way | 4.16 | Jump to 125.92 |  |  | 
              
                
                  | like key corp or fifth third or comerica | 5.44 | Jump to 142.0 |  |  | 
              
                
                  | uh an economy in 2022 that should | 4.88 | Jump to 149.84 |  |  | 
              
                
                  | relative to the last 10 or 15 years yeah | 4.159 | Jump to 154.72 | 
                      
                        
                      
                        DATE
                      
                      
                        the last 10 or 15 years
                      
                     |  | 
              
                
                  | at a name like wells fargo up 60 this | 4.481 | Jump to 158.879 |  |  | 
              
                
                  | the last five years when they've been | 3.119 | Jump to 179.12 |  |  | 
              
                
                  | the cycle between 16 and 18 was very | 5.44 | Jump to 207.76 |  |  | 
              
                
                  | positive but between 12 and 16 while we | 4.881 | Jump to 210.239 | 
                      
                        
                      
                        CARDINAL
                      
                      
                        between 12 and 16
                      
                     |  | 
              
                
                  | quickly which will determine uh 2022 and | 5.279 | Jump to 223.68 |  |  | 
              
                
                  | two very | 3.84 | Jump to 241.599 |  |  |