A lot of it has to do with the labor market, the employment question is where it shows up. People are disenchanted with employment growth.

The labor market has been robust. In the last month, we got a good payrolls report so that probably helped.

I think people are starting to worry about winter heating bills, especially now the weather is starting to turn.

It leaves the underlying momentum strong.

It (the jobless rate) is probably at or slightly below the level the Fed is thinking is full employment, so it will strengthen their resolve to lean against inflation pressures. We expect another quarter-point hike in March.

It's a very small decline. It's definitely settling in a downtrend and all the information from the surveys and from that kind of data point to the labor market stabilizing and improving and we should see that in the payroll numbers.