| expecting three rate hikes this year uh | 4.881 | Jump to 21.279 |  |  | 
              
                
                  | and another two or three next year so we | 3.759 | Jump to 23.84 | 
                      
                        
                      
                        DATE
                      
                      
                        two or three next year
                      
                     |  | 
              
                
                  | four rate hikes | 3.52 | Jump to 27.599 |  |  | 
              
                
                  | so one right height per quarter is | 3.921 | Jump to 29.039 |  |  | 
              
                
                  | um and as i said four road hikes is it's | 4.72 | Jump to 74.88 |  |  | 
              
                
                  | remain pretty solid through 2022 despite | 6.08 | Jump to 83.2 |  |  | 
              
                
                  | now we know that 2022 is off to a pretty | 4.96 | Jump to 89.28 |  |  | 
              
                
                  | kind of stay-at-home trade um from two | 3.761 | Jump to 130.239 |  |  | 
              
                
                  | seems to be the number one concern for | 4.24 | Jump to 244.4 |  |  | 
              
                
                  | for the first half of the year but then | 3.199 | Jump to 313.28 | 
                      
                        
                      
                        DATE
                      
                      
                        the first half of the year
                      
                     |  | 
              
                
                  | coming to the second half we actually | 3.68 | Jump to 315.12 |  |  | 
              
                
                  | around the two percent sorry around the | 3.92 | Jump to 318.8 |  |  | 
              
                
                  | three percent level by year-end um so | 3.521 | Jump to 320.479 |  |  |