 We're seeing a lot of companies give $1,000 bonuses to their employees. Danielle, this has got to show up in the Fed's calculus this year when it comes to wage pressure. Well, I think that that is going to be one of the components that adds to wage pressures as well as what I'll go back to, which is these natural disasters. I mean, there are people leaving walk of day jobs to go become truck drivers because the pay is so amazing. You've got pricing power in so many industries right now as an employee and people are flocking to get those jobs. The flip side of it is if 2017 was the year of brick-and-mortar bloodshed 2018, the echo is going to be in large restaurant chains. And they've been a huge creator of jobs in the current recovery. Well, we saw the Fed mention or discuss tax reform right in the minutes. Fed officials were talking about that in the December meeting. Will they have to move faster with rate hikes in 2018 because of the possibility of wage increases? The minutes do not have anything in them by accident. In December 2008, Jenny Allen is on the record in Fed transcripts as saying that minutes are something that should be utilized as a tool. So meaning the Fed rewrites the minutes well after the meeting has come and gone. So the fact that the tax reform was in that discussion, that's why those minutes yesterday were seen as being as hawkish as they were. So maybe four rate hikes in 2018. That was what the, that's, I think that's what the Fed is trying to communicate. Gabriella, four rate hikes, what do you think? That is definitely our call. So if we look at the forecast, right, they're really only signaling two and a half percent growth, even with these expectations penciled in of tax reform. The unemployment rate really only a little bit below 4%. We think we're going to overshoot in all these aspects. And so that likely means it's an upside risk for rate hikes four instead of three.