| rate dipping below four percent in their | 5.04 | Jump to 20.8 | 
                      
                        
                      
                        PERCENT
                      
                      
                        below four percent
                      
                     |  | 
              
                
                  | at 3.9 percent what it might do to their | 3.679 | Jump to 25.84 |  |  | 
              
                
                  | four percent as you mentioned the | 3.439 | Jump to 59.12 |  |  | 
              
                
                  | strategy team does forecasts uh three | 4.48 | Jump to 87.36 |  |  | 
              
                
                  | rate hikes in 2022 but with risks to the | 4.241 | Jump to 89.439 |  |  | 
              
                
                  | the last uh four rate hike cycles the | 4.4 | Jump to 122.64 |  |  | 
              
                
                  | market did move lower two percent on | 3.68 | Jump to 124.799 |  |  | 
              
                
                  | following six to 12 months so that's a | 3.521 | Jump to 130.239 |  |  | 
              
                
                  | comps as we move ahead in 2022 but don't | 3.519 | Jump to 194.0 |  |  | 
              
                
                  | yeah so uh earnings growth for 2022 is a | 5.599 | Jump to 200.72 |  |  |